毕业设计（论文）-基于模块组合的金融服务创新研究.docxVIP

基于模块组合的金融服务创新研究摘要：作为典型的知识密集型服务业，金融服务业在国民经济发展中具有前瞻性和开拓性作用，是社会经济可持续发展的重要因素，国民经济也发挥了基础设施的作用，创新活动已成为当前的研究热点。大量的研究和经验表明，服务创新是金融服务行业竞争力的重要来源，模块化方法是实现金融服务创新的重要途径。模块的组合增加了创新过程的灵活性，降低了创新的风险，降低了成本，节省了时间并提高了客户满意度。首先，分析了常用的有形产品模块和金融服务模块之间的区别，在对金融服务模块的定义和分类的基础上，将金融服务产品模块分为模块、功能模块和基本模块三个模块。然后，提出了三种金融创新方案，并介绍了三种情况，并总结了三种金融创新模式。其次，分析了金融服务创新的基本特征和基本过程，并从战略、组织、员工、客户和技术三个方面进行了创新，在六个案例中，机制分析模块结合了金融创新过程。然后，本文从实证分析的角度分析了这六个因素对创新绩效的影响，并分析了这些因素对创新绩效的影响。统计结果验证了本文的假设，这些因素也为金融企业服务创新提供了一定的参考。最后，从战略层面、员工层面、客户层面和技术层面提出了对策和建议，并总结了研究结论和对未来研究的展望。关键词：金融服务创新；模块化；产品架构；创新过程；创新模式MODULE COMBINATION BASED FINANCIAL SERVICE INNOCATION RESEARCHAbstract：The financial services industry as a typical knowledge-intensive service industry, in the development of national economy plays a leading and forward-looking, the role of the driver, is an important factor of social economic sustainable development, also played the role of infrastructure in the national economy, the innovation activities have become a major focus of current research. Numerous studies and experience indicate that service innovation is an important source of financial services to improve competitiveness, and modularization is the financial industry important way to realize the service innovation. Module combination to increase the flexibility of innovation process, reduce the innovation risk, thereby reducing the cost, save time, improve the customer satisfaction. First of all, the paper analyzes the visible product module and financial service module of the similarities and differences, based on the given definition and classification of the financial service module, financial services products module can be divided into structural module, function module and basic module three categories. Then, put forward the reality of financial innovation three scenarios, and describes the three cases, summed up the three kinds of financial innovation mode combination, bus and Shared. Secondly, put forward the basic features of module combination based fin