| Summary: | 碩士 === 國立政治大學 === 管理碩士學程(AMBA) === 95 === Financial innovation has been one of government’s priorities, and the academia also puts much research into the topic, but most are from the product innovation perspective instead of business model innovation. In the research, we have analyzed two of Japanese financial companies- The Mizuho Financial Group and Shinsei Bank – and discuss how they redefine their positions in the industry in the changing environment, how they create value for consumers by business model innovations and further improve the profits states of enterprises. Finally, we want to get enlightenment from their experiences for Taiwan financial industry.
Through strategic thinking: Redefining your industry, rethinking your positioning and directions of enterprises, finding out the sources of the innovation from theories; through the elements of business model – core strategies, strategic resources, customer interface, information technology- it could be implemented in the reforming process; through the business model innovation, financial enterprises are capable to understand how to compete in the market base on differentiation.
After analyzing the cases, the thesis proposes some conclusions: 1. In order to create more new profits-making sources, pursuing new business model is more important than pursuing a larger scale simply. Also, risk management is needed in the topic of profit-making sources. 2. The profit-making structure of banking changes from traditional rate margin to complicated management expertise: how the banking adapts to the new competitive environment; 3.From dispersal to focus and from general to specialization: Future of banking will tend to focus on the key area, and allocate the enterprise resources properly. And the financial industry will be more specialized; the design of organization structure of banks will mainly rely on product lines or the customer, instead of traditional function. 4. from expanding the scale to deep growth: The change of assessing the enterprise's performance will bring banks better operational efficiencies.5. From external synergies to internal synergies: synergies can be generated through the internal well-operated system, not only depend on merging;
Key words: Business Model、Strategic thinking、Business Model Innovations
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