基于微信平台的小微企业金融服务创新分.docVIP

PAGE PAGE 9 PAGE 0 基于微信平台的小微（企业）金融服务创新分析 摘　要 金融服务业作为典型的知识密集型服务业,在国民经济发展中起着前瞻性、领导性和驱动者的作用,是社会经济持续发展的一个重要因素,同时还在国民经济中发挥了基础设施的作用,其创新活动己经成为目前研究的一大焦点。无数的研究和经验表明,服务创新是金融服务业提高竞争力的重要来源,而通过微信平台则是金融业实现服务创新已成为一个新的视角。微信平台式的金融服务创新增加了创新过程的灵活性, ,从而减少了成本,节约了时间,提高了客户满意度。根据数据显示，截至2013年11月微信的注册用户量已经突破6亿，是亚洲地区最大用户群体的移动即时通讯软件，在市场上具有极大的社会影响力。本文旨在研究基于微信平台从微信企业服务的角度展示创新分析，并提出企业服务利用微信平台创新研究的构想、金融服务创新模式、创新过程以及其绩效的影响因素进行探讨,以期为促进我国金融服务创新提供理论指导。。 [关键词]微信平台，企业金融服务，创新 Based on WeChat platform of small micro (enterprise) and financial service innovation analysis ABSTRACT 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 through the micro letter platform is finance implement service innovation has become a new perspective. Micro letter platform of financial service innovation to increase the flexibility of innovation process, and thus reducing the cost, save time, improve the customer satisfaction. According to the data show that as of November 2013 registered users have reached 600 million micro letter, is Asias largest user base of mobile instant messaging software, has a great social influence in the market. The purpose of this paper is to study based on micro letter platform showcase innovative analysis from the perspective of micro letter enterprise service, and puts forward the enterprise service platform using micro letter the ideas of innovation research, financial services innovation mode, the innovation process, and the influence factors of its performance were