本文選題：金融服務(wù)業(yè)創(chuàng)新 + 物聯(lián)網(wǎng)��； 參考：《天津商業(yè)大學(xué)》2013年碩士論文

【摘要】：金融服務(wù)業(yè)在我國國民經(jīng)濟(jì)發(fā)展中占有舉足輕重的地位，形成層次合理、功能互補的金融服務(wù)體系能更好地支持實體經(jīng)濟(jì)的發(fā)展。金融服務(wù)業(yè)的創(chuàng)新便成為提高產(chǎn)業(yè)競爭力一個重要方面，也是促進(jìn)經(jīng)濟(jì)增長的一個重要動力。物聯(lián)網(wǎng)產(chǎn)業(yè)在我國是一個具有巨大潛力的新興產(chǎn)業(yè)。目前，我國物聯(lián)網(wǎng)發(fā)展與全球同處于起步階段，初步具備了一定的技術(shù)、產(chǎn)業(yè)和應(yīng)用基礎(chǔ)。物聯(lián)網(wǎng)技術(shù)提供的可視化跟蹤為金融服務(wù)業(yè)的創(chuàng)新提供了契機(jī)。將物聯(lián)網(wǎng)技術(shù)引入金融服務(wù)業(yè)中，，尋找到金融創(chuàng)新的動力因素和機(jī)制來加快推動金融創(chuàng)新是具有現(xiàn)實意義的。 本文研究的是以物聯(lián)網(wǎng)技術(shù)進(jìn)步作為動力源的金融服務(wù)業(yè)各種創(chuàng)新動力機(jī)制，這也是本文的創(chuàng)新點。首先將在國內(nèi)外關(guān)于服務(wù)創(chuàng)新動力機(jī)制與模型和金融服務(wù)業(yè)創(chuàng)新動力機(jī)制的基礎(chǔ)上，結(jié)合物聯(lián)網(wǎng)為金融服務(wù)業(yè)創(chuàng)新提供的條件——以個人或者企業(yè)可視化跟蹤的產(chǎn)品為基礎(chǔ)標(biāo)的進(jìn)行金融創(chuàng)新，建立起“技術(shù)進(jìn)步、制度和需求”三因素協(xié)同作用的基于物聯(lián)網(wǎng)的金融服務(wù)業(yè)創(chuàng)新動力機(jī)制。其次，對物聯(lián)網(wǎng)技術(shù)的四大主導(dǎo)國——美國、德國、韓國和中國的金融服務(wù)業(yè)創(chuàng)新動力機(jī)制的模型進(jìn)行實證分析,從而比較分析得出在各國家金融服務(wù)業(yè)以不同因素為主導(dǎo)的動力機(jī)制的發(fā)展模式。美國和德國的金融服務(wù)業(yè)創(chuàng)新動力機(jī)制的主導(dǎo)因素是需求拉動，韓國的金融服務(wù)業(yè)創(chuàng)新動力機(jī)制取決于物聯(lián)網(wǎng)技術(shù)創(chuàng)新推動，而中國的金融服務(wù)業(yè)創(chuàng)新動力機(jī)制將主要由制度創(chuàng)新來驅(qū)動。再次，根據(jù)各國不同競爭力背景和金融服務(wù)業(yè)發(fā)展階段特點，得出各種不同因素為主導(dǎo)的動力機(jī)制模式所需要的條件和發(fā)展路徑。最后，為中國金融服務(wù)業(yè)創(chuàng)新提供參考建議，從而有效地解決金融服務(wù)企業(yè)中存在的現(xiàn)實問題，有利于提高金融體系的運行效率，使得金融資源得到有效配置，提高金融服務(wù)業(yè)的國際競爭力。
[Abstract]:The financial service industry plays an important role in the development of our national economy, and a financial service system with reasonable levels and complementary functions can better support the development of the real economy. The innovation of financial service industry has become an important aspect of improving industrial competitiveness and an important driving force to promote economic growth. Internet of things industry is a new industry with great potential in China. At present, the development of the Internet of things in China is in its infancy with that of the whole world, and it has a certain technology, industry and application foundation. Visual tracking provided by the Internet of things provides an opportunity for innovation in the financial services industry. It is of practical significance to introduce the Internet of things technology into the financial service industry and find out the motive factors and mechanisms of financial innovation to speed up the promotion of financial innovation. This paper studies all kinds of innovation motive mechanism of financial service industry, which is based on the technology progress of Internet of things, which is also the innovation point of this paper. First of all, it will be based on the dynamic mechanism and model of service innovation at home and abroad and the innovation motive mechanism of financial service industry. Combining the conditions that the Internet of things provides for innovation in the financial services sector-financial innovation based on products that are visually tracked by individuals or enterprises-to establish "technological progress," System and demand: a Synergetic Mechanism of Financial Services Innovation based on Internet of things. Secondly, empirical analysis is made on the four leading countries of the Internet of things, namely, the United States, Germany, South Korea and China. The development model of the dynamic mechanism of the financial service industry in different countries is obtained by comparison and analysis. In the United States and Germany, the dominant factor in the innovation drive mechanism of the financial services industry is demand-driven, while the innovation motive mechanism in South Korea's financial services industry depends on the promotion of technological innovation in the Internet of things. The innovation motive mechanism of financial service industry in China will be driven by institutional innovation. Thirdly, according to the different competitive background of each country and the characteristics of the development stage of the financial service industry, the conditions and the development path of the driving mechanism model led by different factors are obtained. Finally, it provides some suggestions for the innovation of Chinese financial service industry, which can effectively solve the practical problems in the financial service enterprises, improve the operational efficiency of the financial system, and make the financial resources to be effectively allocated. Improving the international competitiveness of the financial services industry.
【學(xué)位授予單位】：天津商業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F49;F832.1

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