商业模式钻石模型——平安金融旗舰店案例研究被引量：38

Diamond Model of Business Models——A Case Study of Ping An Financial Mall

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摘要本文提出商业模式钻石模型,从商业对象、商业过程、商业绩效3个方面,产品、利益相关者、资源整合能力、收益、风险5个模块,以及物流、资金流、风险流3个载体出发,建立商业模式钻石模型结构图和分析表对商业模式进行解析。通过比较研究发现:商业模式钻石模型在战略分析和商业模式要素模型的基础上进行了扩展,更适合分析金融商业模式,体现了金融业注重风险管理的行业特性。最后,本文用商业模式钻石模型对平安金融旗舰店进行了案例研究,分析了该平台模式的优势和不足,并提出了改进建议。 In this paper we propose a new approach（ named＂diamond model approach＂） for analyzing a business model from（ A） three levels：（ 1） business object,（ 2） business process,and（ 3） business performance,（ B） five modules： product,stakeholder,resources integration ability,return and risk,and（ C） three flows： logistics flow,cash flow,and risk flow. Through comparing it with some classic approaches for studying business models,we show this diamond model approach of business models inherits advantages of those approaches,but much more comprehensive and systematic,and particularly good at studying business models of the financial industry,which concerns about risk characters. A case study of online Ping An financial mall is made with the diamond model approach and some management insights are presented.

作者任小勋乔晗黄稚渊何乐平汪寿阳

机构地区中国科学院大学经济与管理学院中国科学院大数据挖掘与知识管理重点实验室中国科学院数学与系统科学研究院

出处《管理评论》 CSSCI 北大核心 2015年第11期231-240,共10页 Management Review

基金国家自然科学基金项目(71003057 71373262 71390330 71390331) 中国科学院大数据挖掘与知识管理重点实验室开放课题

关键词商业模式钻石模型战略管理要素模型风险平安金融旗舰店 business models diamond model strategic management factor models risk Ping An financial mall

分类号 F832.39 [经济管理—金融学]

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