摘要
受益于互联网技术的发展和用户行为的改变,互联网金融已经成为金融领域的新热点。互联网金融各种业态与生俱来带有普惠性的本质特征,是普惠金融实现的重要载体。长尾理论是基于互联网技术广泛运用背景下衍生的经济理论,它延伸了传统的"二八定律",为互联网金融的普惠运营导向提供理论依据,因此将长尾理论引入互联网金融普惠发展研究有重要的指导意义。互联网金融面临的主流市场就是长尾理论中需求曲线的利基市场,提供的金融产品就是长尾理论中潜力巨大的利基产品。互联网金融企业可以集中开发"长尾市场",通过延长客户长尾、加厚客户长尾、驱动客户长尾向下策略回归普惠本质,达到自身的帕累托最优。在确立发展策略的基础上,要依靠大数据和云计算建设普惠金融发展服务机制、搭建互联网金融普惠导向发展的政策体系、完善互联网普惠金融信用征信体系、探索构建互联网普惠金融服务超市,致力于实现互联网金融回归普惠本质。
Benefited from the development of internet technology and changes in user behavior, internet finance has become a new hot spot in the financial sector.Internet finance is born with the inherent characteristics of inclusive, and it is an important carrier of inclusive financial.The long tail theory is based on the extensive using of internet technology background derived from the economic theory.It extends the traditional ＂2-8 law＂, provide a theoretical basis for the internet financial inclusive business oriented. Therefore, the introduction of the long tail theory to the internet finance inclusive development research has an important guiding significance.Mainstream market of internet finance is the niche market on the demand curve of the long tail theory.Internet finance products are the long tail of financial products with great potentialin the long tail theory. Internet finance enterprises can focus on the development of the＂long tail market＂.By extending the customer＇s long tail, thickening of the customer＇s long tail and driving long tail down to achieve their own Pareto optimal.On the basis of establishing the development strategy, internet finance enterprises should build inclusive financial development services basing on big data and cloud computing,set up the development of Internet based financial inclusive policy system, improve the internet inclusive financial credit system,explore the construction of the Internet inclusive financial services supermarket,make the internet finance return to the essence of inclusive finance.
出处
《长春金融高等专科学校学报》
2016年第6期5-14,共10页
Journal of Changchun Finance College
关键词
互联网金融
普惠金融
长尾理论
路径选择
internet finance
inclusive finance
the long tail theory
route choice
