Innovation Of Business Model For Banks Based On The Value Chain

In the21st century humans entered the network era, it is already a global, open and integrated of the economy today. Each enterprise is just huge network system, and interdependence among them, this makes commercial bank business model has more dynamic, open and vague. As competition intensifies, many industries have toppled the traditional business mode. Similarly, with the strengthened of capital regulatory and capital constraints, the changing of the social economic structure and financial services, commercial banks have already rethink and thinking its business model.The business model innovation of commercial bank means unearthed the new market demand, create new consumer groups, create new profit pattern, with new ways to do business tasks, developing new products and provides customers with new services, or completing a commercial Banks operate other activities in a new way. Commercial banking business model innovation is a systems engineering, not just a certain part of improved management reform.Now it’s still lack of theoretical framework support and empirical research for how to analysis of China’s commercial Banks in the business mode innovation scientifically. So it is very meaningful that this dissertation will focus on the framework, types and Evolutional progress and Institution of commercial Banks business model innovation. Based on the value chain and business model innovation theory, coming up with the new classifications of commercial Banks value chain, discuss the path and type of commercial bank business model innovation. Analyzes the value chain more intuitively, bank reconstruction, and research the bank business model innovation empirically, then reveals the essence of commercial bank business model innovation; It is reference to the local commercial bank of our country business model innovation.