Research On Business Model Of Internet Finance

The development of Internet technology has penetrated into various industries.In this context,the Internet financial information service industry came into being.In the process of survival of the fittest in the industry,a number of high-quality Internet financial information service providers have emerged,which provide basic financial information,market trading systems,mobile phone services and other value-added services.The competition of Internet finance is becoming increasingly fierce.The innovation of business model has become an important factor in determining the competitiveness of future enterprises,and it is the key to gaining competitive advantage.At present,Chinese enterprises have a deep understanding of business model innovation,a large gap between innovation investment and developed countries,and weak innovation ability.The importance of business model innovation to Chinese enterprises is particularly prominent.The full text is divided into three parts to study the business model of Ant Financial Services Group.The first part briefly describes the research background,research significance,literature review,theoretical basis,innovation points and deficiencies,and constructs the business model analysis framework: business system,user type,marketing strategy,profit model,risk control.The second part analyzes the five elements of the case company's business model,and compares the five elements of the case company with the traditional financial institutions to evaluate the advantages and implementation results of the case company's business model.It also outlines the possible shortcomings and solutions of the case company's business model,the implications for traditional finance,and the implications for the Internet finance industry.The third part draws the conclusions of this paper and puts forward the prospect.The conclusion of this paper is that the business model of the case company can provide new ideas and directions for the transformation of traditional financial institutions and the optimization of other Internet financial enterprises' business models.The main performances are as follows: civilianized business system,the wide coverage of user types,the diversification of marketing strategies,the diversification of profit sources,and the high reliability of risk control.