基于模块化的银行卡产业价值创新研究：从价值链到价值群

以往关于模块化的应用研究主要集中于制造业,本文是模块化理论在金融服务业应用研究的一次尝试。本文认为,银行卡产业模块化的价值创新机理就在于实现了从价值链向价值群的价值创新系统转变。我国银行卡产业模块化价值创新应该从三个方面着手:一是在产品模块化创新层面,着重银行卡产品设计规则参与、产品创新和服务标准化;二是在企业模块化再造层面,着重银行卡业务组件模块化和组织管理模块化;三是在生产网络模块化层面,着重外包策略和网络联盟在实现模块价值创新中的重要作用。

Research on Value Innovation of Credit Card Industry Based on Modularity:From Value Chain to Value Clusters

Modularization is a widely used industrial organization format in manufacture industries but few in finance industry.The paper try to establish a theory frame of credit card industry with modularization theory.The value innovation mechanism of credit card industry is that it had achieved the transition from value chain to value clusters.The strategies of value innovation contain three aspects.First is the production level,modularization is an effect way to promote card product design and innovation.Second is the enterprise level,modularization is the recompose method of tasks and organization.Third is the production networks level,modularization especially outsourcing and union is the important strategy to create the value clusters.