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论文编号：	8602
作者编号：	2220140536
上传时间：	2016/11/27 16:59:08
中文题目：	N公司互联网金融商业模式创新研究
英文题目：	Research on Internet Finance Innovation Business Model of N Company
指导老师：	林润辉
中文关键字：	N公司;互联网金融;商业模式;商业模式创新;
英文关键字：	N company; Internet finance; Business model; Business model innovation;
中文摘要：	互联网金融是一种“新型金融业务模式”，借助互联网、移动互联网、大数据等技术手段，在实现金融功能方面，表现出了跨越时间和空间的成本与效率优势，以其“普惠性”和“连续性”的特点 ，扩大了金融服务的边界，加快了金融市场化进程。在当前复杂的经济环境下，实体经济违约的风险传导不断加剧，互联网金融企业“跑路”事件层出不穷。互联网金融行业已成为商业模式创新的试验场，正陷入“建立——倒闭——再建立——再倒闭”的怪圈。研究N公司互联网金融创新模式，对于促进互联网金融健康、规范发展具有重要的现实意义。本文从互联网金融商业模式创新的研究视角，以双边市场、产业金融和商业模式为理论研究框架，运用文献研究法、调查研究法和案例研究法，以互联网金融行业的领先企业——N公司为例，研究企业在开展互联网金融创新实践中的战略选择和采取的创新策略，着重对N公司实施纵向一体化、用户获取、产品创新等创新策略进行了深入研究。N公司的互联网金融模式是一个“互联网+产业+金融”平台，平台的一边连接了产业核心客户及其产业链上的大量中小企业作为资金需求者，另一边连接了互联网上的个人和机构作为资金提供者。研究发现，首先，商业模式创新是互联网金融企业成败的关键。互联网金融具有双边平台的典型特征，需要重点考虑网络外部性、用户归属、定价策略、差异化竞争等因素。因兼具互联网和金融两种属性，相比其他类型的企业，互联网金融企业在商业模式选择上需要更加关注防范金融风险和技术风险。其次，“互联网+产业+金融”的创新模式具有差异化竞争优势。互联网金融与实体产业通过纵向一体化战略和协同运作，实现了价值链的一体化和金融风险的内部化。实体产业庞大的客户基础形成了强大的网络外部性，提高了市场进入壁垒。最后，对实体经济的服务是检验互联网金融创新模式的重要标志。互联网金融的发展趋势与实体经济愈加趋同，互联网金融只有与实体经济协调发展，才能确保行业持续健康发展。
英文摘要：	“Internet Finance”, is a new type of financial business model, with Internet, mobile Internet, big data technology, in the realization of the financial function, across time and space cost and efficiency advantages, in the “inclusive” and “continuity”, expanded the boundaries of financial services, accelerate the process of financial liberalization. In the current complex economic environment, the risk of the real economy of the transmission of the risk of conduction continues to increase, the Internet financial enterprises running event after another. Internet financial industry has become a business model innovation test field, is falling into the establishment - the collapse - and then build - and then collapse of the cycle. Research N company Internet financial innovation model, for the promotion of Internet financial health, standardized development has important practical significance. The from the perspective of Internet financial innovation business model, Two-sided markets, Industry finance and business model as the theoretical framework for the study, using the literature research method, survey research method and case study method, to Internet financial industry leading enterprises of N company, as an example, research enterprises in to carry out the practice of Internet financial innovation in the strategic choices and take the innovation strategy, focusing on of N company implementation vertical integration, access to the user, product innovation strategy interpretation. Internet financial business model of N company is a “Internet + industry + financial” platform, one side of the platform connected to the large number of small and medium-sized industries core clients and the industry chain as the demand for funds, the other side connected to the Internet on individuals and institutions as providers of funds. The study found that, first of all, business model innovation is the key to the success of the Internet financial enterprises. Internet Finance has a typical feature of the two sides of the platform, the need to focus on the network externalities, user attribution, pricing strategy, differentiated competition and other factors. Because both the Internet and finance two attributes, compared to other types of enterprises, Internet financial enterprises in the business model to choose the need to pay more attention to guard against financial risks and technical risks. Secondly, innovation business model “Internet + industry + financial” with differentiated competitive advantage. Internet Finance and real estate through vertical integration strategy and collaborative operation, to achieve the integration of the value chain and financial risk. The huge customer base of the real estate industry has formed a strong network externalities, improve the market entry barriers. Finally, the service of the real economy is an important symbol of the Internet financial innovation business model test. The development trend of Internet finance and the real economy increasingly convergence, the Internet and the real economy, the financial only coordinated development, in order to ensure sustained and healthy development of the industry.
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