PNMP-CET@I: A new analytical method for studying business model with a case study of Ant Finance
LI Chao1, ZHENG Sengui1, DING Xuechen2, QIAO Han2, WANG Shouyang1,2
1. Academy of Mathematics and Systems Science, Chinese Academy of Sciences, Beijing 100190, China; 2. School of Economics and Management, University of Chinese Academy of Sciences, Beijing 100190, China
Abstract:This paper considers that business model innovation is an iterative design process of the adjustments. A comprehensive feedback analysis model named PNMP-CET@I is proposed based on the iceberg theory and CET@I methodology for business model studies. PNMP-CET@I model takes into account several kinds of environmental factors and then optimizes the existing business model via an integrated analysis. The integrated analysis results show that the business model of Ant Finance is superior to the traditional financial business model. Some new ideas and management inspiration to the development of internet financial enterprises and traditional financial enterprises are presented.
李超, 郑森圭, 丁雪辰, 乔晗, 汪寿阳. 商业模式PNMP-CET@I反馈调节分析模型:蚂蚁金服案例[J]. 系统工程理论与实践, 2018, 38(6): 1413-1421.
LI Chao, ZHENG Sengui, DING Xuechen, QIAO Han, WANG Shouyang. PNMP-CET@I: A new analytical method for studying business model with a case study of Ant Finance. Systems Engineering - Theory & Practice, 2018, 38(6): 1413-1421.
[1] 皮天雷, 赵铁. 互联网金融:范畴、革新与展望[J]. 财经科学, 2014(6):22-30. Pi T L, Zhao T. Internet finance:Category, innovation and prospects[J]. Finance & Economics, 2014(6):22-30. [2] 汪寿阳, 敖敬宁, 乔晗, 等. 基于知识管理的商业模式冰山理论[J]. 管理评论, 2015, 27(6):3-10.Wang S Y, Ao J N, Qiao H, et al. Iceberg theory:A new methodology for studying business model from knowledge management perspective[J]. Management Review, 2015, 27(6):3-10. [3] 郑联盛. 中国互联网金融:模式、影响、本质与风险[J]. 国际经济评论, 2014(5):103-118.Zheng L S. China's internet finance:Model, impact, nature and risks[J]. International Economic Review, 2014(5):103-118. [4] 李雪蓉, 张晓旭, 李政阳, 等. 商业模式的文献计量分析[J]. 系统工程理论与实践, 2016, 36(2):273-287.Li X R, Zhang X X, Li Z Y, et al. A bibliometric analysis on business models[J]. Systems Engineering-Theory & Practice, 2016, 36(2):273-287. [5] 汪寿阳, 乔晗, 胡毅, 等. 商业模式全景图[M]. 北京:科学出版社, 2016.Wang S Y, Qiao H, Hu Y, et al. Panorama of business model studies[M]. Beijing:Science Press, 2016. [6] 亚力山大·奥斯特瓦德, 伊夫·皮尼厄. 商业模式新生代[M]. 王帅,等译.北京:机械工业出版社, 2011.Osterwalder A, Pigneur Y. Business model generation[M]. Beijing:China Machine Press, 2011. [7] Stewart D W, Zhao Q. Internet marketing, business models, and public policy[J]. Journal of Public Policy & Marketing, 2000, 19(2):287-296. [8] Afuah A, Tucci C L. Internet business models and strategies:Text and cases[M]. New York:McGraw-Hill, 2001. [9] Zott C, Amit R. Business model design:An activity system perspective[J]. Long Range Planning, 2010, 43(2):216-226. [10] Zott C, Amit R, Massa L. The business model:Recent developments and future research[J]. Journal of Management, 2011, 37(4):1019-1042. [11] Casadesus-Masanell R, Ricart J E. From strategy to business models and onto tactics[J]. Long Range Planning, 2010, 43(2):195-215. [12] Johnson M W. Seizing the White Space:Business model innovation for growth and renewal[M]. Boston:Harvard Business School Press, 2010. [13] 魏炜, 朱武祥. 发现商业模式[M]. 北京:机械工业出版社, 2009.Wei W, Zhu W X. Discovering business model[M]. Beijing:China Machine Press, 2009. [14] 林桂平, 魏炜, 朱武祥. 透析盈利模式[M]. 北京:机械工业出版社, 2014.Lin G P, Wei W, Zhu W X. Principles of profit models[M]. Beijing:China Machine Press, 2014. [15] 孟韬, 张黎明, 董大海. 众筹的发展及其商业模式研究[J]. 管理现代化, 2014(2):50-53.Meng T, Zhang L M, Dong D H. The development and business model of crowd-funding[J]. Modernization of Management, 2014(2):50-53. [16] 刘超. 对商业银行与电商平台相结合的互联网金融模式的研究[J]. 金融理论与实践, 2014(11):45-50.Liu C. Research on internet financial model combined with commercial banks and electronic business platform[J]. Financial Theory & Practice, 2014(11):45-50. [17] 宫晓林. 互联网金融模式及对传统银行业的影响[J]. 南方金融, 2013(5):86-88.Gong X L. Product markets competition, ownership concentration and cash dividend policy:Based on empirical analysis of China's listed companies[J]. South China Finance, 2013(5):86-88. [18] 赵旭升. 互联网金融商业模式演进及商业银行的应对策略[J]. 金融论坛, 2014(10):11-20.Zhao X S. The evolution of internet finance business mode and the strategies of commercial banks[J]. Finance Forum, 2014(10):11-20. [19] Wang S Y. TEI@I:A new methodology for studying complex systems[C]//The International Workshop on Complexity Science, Tsukuba, Japan, 2004.