Research On Business Model Of Internet Finance Based On Ecology

Because of its business model,the traditional financial business model has long neglected the financial needs of individuals and small and micro enterprises,while the Internet financial business model can effectively meet these long-neglected financial needs.With the continuous evolution of the external environment such as technology and demand,the business model of Internet finance is constantly evolving,and its application scenarios are becoming more and more abundant.It has gradually become the driving force to promote the development of modern economy and society,and also has a profound impact on the economic and social development of our country.The business model of Internet finance is a new business model.It is the mutual penetration and integration of information technology and traditional finance,finally forming a dynamic and balanced ecosystem with the continuous co-evolution of the external environment.The business model of Internet finance can greatly improve the operation efficiency of finance.Modern information technology such as mobile payment,social network,search engine and cloud computing,based on Internet,has brought fundamental changes to the business model of finance.The traditional business model research is based on the philosophy of physics,which is limited to the mechanical research of the enterprise itself.With the application of information technology in business models,business models continue to evolve,and the traditional business model research methods have been unable to adapt to the study of new business models.Enterprise ecology is to study enterprises in a dynamic ecosystem,and to study the business model of enterprises from an overall,systematic and dynamic perspective.According to the principles and mechanisms of ecosystem,ecological balance and collaborative evolution,it studies the evolution laws and trends of enterprise business models and various problems encountered in the evolution process.The theoretical framework of business model ecology can describe the position of enterprise business model in the whole ecosystem and the dynamic relationship between it and other business models and the external environment,and deduce the evolution process and trend of enterprise business model,as well as the evolution trend of "rent",the fundamental power of enterprise business model evolution.Therefore,the theory of enterprise ecology is an effective basic theory for the study of new business models,which provides effective theories and methods for the policy selection and strategic decision-making of enterprises in the actual business process.The business model ecosystem is a living organism composed of business model and external environment.Its ecological environment includes society,economy,culture,natural environment,etc.Business model and ecological environment influence each other,restrict each other and co-evolve,and eventually form a stable and dynamic balance system.The business model and the external environment are constantly exchanging materials,energy and information.There are complex adaptive relationships between the business models and between the business models and the environment.Therefore,the research on the business model ecosystem needs to be put into the ecological environment to study how the business model survives,develops,reproduces and evolves.According to the characteristics of the business model ecosystem,this research method mainly includes logical deduction,bionic analogy,empirical analysis,model simulation and other methods.It studies the establishment of the ecological model of the Internet financial business model,as well as the evolution process,mechanism,trend and power of the ecological model,in order to reveal the nature of the Internet financial business model and the natural law of evolution.This research mainly includes the Internet financial business model ecosystem,the characteristics of the evolution of the Internet financial business model based on the external environment,the evolution law of the Internet financial business model,the relationship between the Internet financial business model and the environment,the rent seeking process of the Internet financial business model and the evolution law of "rent",and the relationship between rent and the evolution of the Internet financial business model.The Internet financial business model exists in different biological forms of a single species,population,community,and ecosystem.Therefore,studying the biological form of the business model,the relationship between different biological forms,and the evolution law and process between different forms can reveal the competitive advantage of the business model and the future evolution trend.When business models are in different biological forms,their biological characteristics are obviously different.Therefore,in different biological forms,managers need to choose different business strategic decisions,investors need to choose different investment ideas and methods,and regulators need to choose different regulatory policies and methods.Therefore,it is important to clarify the biological form of business models.The Internet financial business model is closely related to the external environment.Only through continuous evolution can the Internet financial business model adapt to the changes in the external environment.Therefore,it is essential for this paper to study the relationship between the Internet financial business model and the external environment.The theoretical framework of business model ecology can advance the evolution trend of the external environment of the Internet financial business model,guide the Internet financial business model to establish an innovative mechanism and path,and promote the continuous evolution of the Internet financial business model to adapt to the evolution of the external environment.Through the analysis of the business model of Internet Finance by enterprise ecology,a framework for understanding the business model of Internet finance is established.From the level of Internet financial business model,the relationship between the levels,and the relationship between the Internet business model and the environment,the collaborative evolution process of Internet financial business model is analyzed,and the ecological analysis framework of Internet financial business model evolution is established.At the same time,through the analysis of the fundamental driving force "rent" of the evolution of the Internet financial business model,we can deduce the evolution trend of the Internet financial business model,and thus establish the analysis framework of the evolution power of the business model.Finally,a set of effective methods and frameworks for comprehensive and overall analysis and evaluation of business models and deducing the evolution trend of business models are established。In reality,it has important guiding significance for the design,supervision and investment of the business model of enterprises.