本文關(guān)鍵詞：基于商業(yè)模式創(chuàng)新的網(wǎng)絡(luò)金融研究　出處：《南京大學》2013年碩士論文　論文類型：學位論文

  更多相關(guān)文章： 金融創(chuàng)新 商業(yè)模式創(chuàng)新 網(wǎng)絡(luò)金融 阿里金融

【摘要】：網(wǎng)絡(luò)金融是我國金融創(chuàng)新的一個重要實踐,是指由電子商務(wù)企業(yè)提供的網(wǎng)絡(luò)支付結(jié)算、網(wǎng)絡(luò)融資、網(wǎng)絡(luò)保險、網(wǎng)絡(luò)理財?shù)冉鹑诜⻊?wù)。相比起傳統(tǒng)的金融服務(wù),網(wǎng)絡(luò)金融在產(chǎn)品設(shè)計、服務(wù)模式和參與主體三方面實現(xiàn)了創(chuàng)新。更重要的是,網(wǎng)絡(luò)金融的出現(xiàn)促使電子商務(wù)企業(yè)的商業(yè)模式創(chuàng)新,使其走向了新的發(fā)展道路。因此,本文從商業(yè)模式的視角出發(fā)來研究網(wǎng)絡(luò)金融,剖析這一新的經(jīng)濟現(xiàn)象,并把握其發(fā)展的脈搏。 商業(yè)模式創(chuàng)新是本文的研究背景,因此本文先回顧了我國過去十年的商業(yè)模式變遷,揭示了網(wǎng)絡(luò)金融模式在互聯(lián)網(wǎng)經(jīng)濟時代的重要意義。進而繼續(xù)闡釋商業(yè)模式創(chuàng)新對電商企業(yè)發(fā)展的影響,本文應(yīng)用了熵模型,認為商業(yè)模式創(chuàng)新促使了企業(yè)系統(tǒng)的內(nèi)部負熵變和外部負熵流入,使得系統(tǒng)有序度增加,由此清楚地闡述企業(yè)獲得發(fā)展的機理,而文章亦以創(chuàng)新的角度實現(xiàn)了對商業(yè),模式創(chuàng)新的理論性研究。 本文根據(jù)我國的網(wǎng)絡(luò)金融發(fā)展情況,對其中的第三方支付行業(yè)與網(wǎng)絡(luò)融資行業(yè)進行產(chǎn)業(yè)的現(xiàn)狀描述,并且深入地刻畫了兩個細分行業(yè)的市場格局、競爭結(jié)構(gòu)和產(chǎn)業(yè)鏈。本文發(fā)現(xiàn)：兩個細分行業(yè)的發(fā)展速度快,成長性好,但行業(yè)集中度較高,行業(yè)內(nèi)各企業(yè)的發(fā)展情況很不平均,小企業(yè)之間服務(wù)同質(zhì)化嚴重,競爭較為激烈：此外,規(guī)模經(jīng)濟和產(chǎn)品差異化是兩個行業(yè)主要的進入壁壘；再者,銀行正在積極地介入網(wǎng)絡(luò)金融產(chǎn)業(yè),對產(chǎn)業(yè)內(nèi)的大企業(yè)(如阿里金融)提出了挑戰(zhàn),但對于小企業(yè)是個良好的合作機會。本文基于對網(wǎng)絡(luò)金融的產(chǎn)業(yè)分析,以產(chǎn)業(yè)價值鏈為基礎(chǔ),從價值創(chuàng)造、價值維護和價值實現(xiàn)三個環(huán)節(jié)對兩個細分行業(yè)分別進行考察,并總結(jié)歸納出兩者的商業(yè)模式的創(chuàng)新之處。 最后,本文通過對阿里金融的案例分析,總結(jié)出阿里金融“完整生態(tài)+開放平臺”的新商業(yè)模式,并挖掘了由新商業(yè)模式催生的阿里新發(fā)展,揭示出以阿里金融為代表的網(wǎng)絡(luò)金融產(chǎn)業(yè)如何影響傳統(tǒng)金融行業(yè)并改造舊有的“大賣場”模式。
[Abstract]:Network finance is an important practice of financial innovation in our country. It refers to the financial services such as network payment settlement, network financing, network insurance, network financing and so on, which are provided by electronic commerce enterprises. The network finance has realized the innovation in the product design, the service pattern and the participation main body. More importantly, the appearance of the network finance has promoted the electronic commerce enterprise's business model innovation. Therefore, this paper studies the network finance from the perspective of business model, analyzes this new economic phenomenon, and holds the pulse of its development. Business model innovation is the background of this paper, so this paper reviews the changes of business model in the past ten years. This paper reveals the important significance of the network finance model in the Internet economy era, and then continues to explain the impact of business model innovation on the development of e-commerce enterprises, this paper applies the entropy model. It is believed that the innovation of business model promotes the change of internal negative entropy and the inflow of external negative entropy of enterprise system, which increases the degree of system order. The article also realizes the theoretical research of commercial and mode innovation from the angle of innovation. According to the development of network finance in China, this paper describes the current situation of the third party payment industry and the network financing industry, and deeply describes the market pattern of the two subdivision industries. Competitive structure and industrial chain. This paper finds that the development of the two subdivided industries is fast and the growth is good, but the industry concentration is high, the development of enterprises in the industry is very uneven, and the service quality among small enterprises is serious. Competition is more intense: in addition, economies of scale and product differentiation are the main barriers to entry in the two industries; Moreover, banks are actively involved in the network finance industry, which challenges the large enterprises in the industry (such as Ali Finance). But for small enterprises is a good opportunity for cooperation. Based on the analysis of the industry of network finance, based on the industrial value chain, from the value creation. The three links of value maintenance and value realization respectively investigate the two subdivision industries and sum up the innovation of the two business models. Finally, through the case analysis of Ali Finance, this paper summarizes the new business model of "complete ecological open platform" of Ali Finance, and excavates the new development of Ali caused by the new business model. It reveals how the network finance industry, represented by Ali Finance, influences the traditional financial industry and rebuilds the old "big sale" model.
【學位授予單位】：南京大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832

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