Theoretical And Empirical Study On Service Innovation Formation Of Commercial Bank Based On Internal Knowledge Transformation

With the arrival of global service economy,the service begins to dominate the economic development,and becomes the basic bargaining chip of the enterprise competition through creating additional value.As financial service enterprise,commercial bank service innovation is very important to enhance the competitiveness of commercial banks to promote the realization of the strategic objectives of commercial banks.The progress of internet technology has changed people's life style and consumer behavior.The emergence of Internet Finance has brought great challenges to the service innovation of commercial banks.At the same time,commercial bank is typical knowledge intensive enterprises,the internal relationship between the service economy and the knowledge economy,and how to solve the problem of the service innovation of the commercial bank through the knowledge management has become the focus of the study.From the perspective of internal knowledge transformation,the thesis makes theoretical and empirical study on the formation of service innovation of commercial banks.This thesis is composed of eight chapters and four parts.The first part presents the background,purpose and significance of the study,the domestic and foreign literature are reviewed and summarized,and the related theories are put forward,corresponding to the first and second chapter;The second part analyzes the history and development trend of the commercial bank service innovation,which leads to the perspective of internal knowledge transformation.Then,by constructing the four dimensional model of service innovation of commercial bank based on internal knowledge transformation,the influence of internal knowledge transformation on service innovation formation is analyzed from three aspects of service innovation concept,service innovation behavior and service innovation performance output,corresponding to the third and fourth chapter;The third part is the empirical research.Firstly,the individual service innovation and service innovation performance are used as a measure of service innovation,and the relationship model between internal knowledge transformation,individual service innovation and service innovation performance is also constructed companying with the relevant research assumptions.Then the internal knowledge transformation is defined as exogenous latent variable,individual service innovation and service innovation performance are defined as internal potential variables while the individual service innovation behavior is also defined as a mediating variable,based on which the structural equation model for empirical research is constructed to analyze the relationship between the three and the influence path so as to test the proposed assumptions,corresponding to the fifth and sixth chapter.Finally,the fourth part puts forward the countermeasures to promote the service innovation of commercial banks,and summarizes the full text,corresponding to the seventh and the eighth chapter.Through constructing a structural equation for empirical research on relationship between internal knowledge transformation and service innovation of commercial bank,and from the perspective of internal knowledge transformation,strategy to promote the formation of service innovation is proposed,the purpose of this study is to explore how to improve the internal knowledge transformation of commercial banks to promote the production of service innovation.The innovation of this thesis mainly has three aspects:(1)The mechanism model of service innovation based on internal knowledge transformation is constructed,so as to extend the service innovation theory.From the perspective of service innovation of commercial bank internal knowledge transformation mechanism,the thesis introduce internal knowledge transformation dimension to construct the model of the formation mechanism of service innovation,based on the four dimensional model of service innovation.Combining the theory of internal knowledge transformation and service innovation theory,the research perspective is novel,which extends the theory of service innovation.In the past,the four dimension model of service innovation is used as a theoretical model of service innovation.In this thesis,we introduce the dimensions of internal knowledge transformation,and divide the form of service innovation into three stages: the concept form of service innovation,service innovation behavior occurrence and service innovation performance output,with theoretical model innovation.(2)A new empirical model is constructed based on taking the behavior of individual service innovation as a mediating variableFrom the individual level,this thesis constructs the dimensions and measurement scales of individual service innovation behavior of commercial banks,and takes the individual service innovation behavior as the mediating variable,and the service innovation performance as the outcome variable to construct the empirical model.In the past,the dimensions of behavioral variables are mostly as result dimension.In this thesis,the service innovation behavior at the individual level is regarded as an intermediary variable,thus it can be more clear to analyze the impact on the outcome variable of service innovation performance,which is more consistent with empirical logic.(3)New service innovation incentive mechanism is constructed combining with the internal knowledge transformationIn the countermeasure research,the first one is to analyze the influencing factors of the internal knowledge conversion by using the dynamic evolutionary game theory,and construct the quantitative incentive mechanism by using the fuzzy comprehensive evaluation method;the second is to use knowledge sharing as liability constraint to build a new incentive mechanism of knowledge workers group cooperation in the principal-agent model.