摘要
近一二十年来金融业务的开展越来越依赖于计算机通讯技术,技术的发展和因特网的出现带来了金融领域革命性的创新,网络金融在现代经济领域的重要性日趋提高。本文主要研究金融机构网络金融创新产品扩散模型,并应用其对中国台湾的信用卡及大陆的银行卡在金融市场扩散的动态过程进行实证研究,为金融机构制定其企业战略,管理部门制定相关的法规、政策提供理论参考。
Technological advances and the advent of the Intemet have led the revolutionary changes in the finance industry over the past decades. The importance of e - finance in modem economies has grown considerably. This paper presents the diffusion models, which describe and predict the dynamical diffusion processes of the e - financial innovation products, especially from the point of the financial institution＇ s view. Besides, the analysis of the empirical studies on Taiwan credit card market and mainland bankcard market has been given to provide the theoretical reference, which can be helpful for the strategy making of financial intermediation and the regulation making of the supervisor.
出处
《金融研究》
CSSCI
北大核心
2006年第3期85-93,共9页
Journal of Financial Research
关键词
金融创新
扩散模型
网络金融
financial innovation, diffusion model, e- finance
