后发企业破坏性创新路径研究——基于互联网金融的多案例分析  

On the path of disruptive innovation in latecomer enterprises:Based on the multi-case analysis of internet finance

作　　者：左红武[1] 李泽建[2] 周艳兰 ZUO Hongwu;LI Zejian;ZHOU Yanlan(Faculty of Continuing Education,Kunming University of Science and Technology,Kunming 650093,China;Faculty of Management and Economics,Kunming University of Science and Technology,Kunming 650093,China)

机构地区：[1]昆明理工大学继续教育学院,云南昆明650093 [2]昆明理工大学管理与经济学院,云南昆明650093

出　　处：《重庆理工大学学报（社会科学）》2019年第12期80-94,共15页Journal of Chongqing University of Technology（Social Science）

基　　金：云南省哲学社会科学规划项目“基于O2O的云南医药零售企业商业模式创新研究”(YB2015091)

摘　　要：破坏性创新理论为后发企业追赶提供了跨越式发展途径,互联网金融作为后发企业的典型,其破坏性创新具有较强的时代背景和行业特征。基于现有文献构建后发企业破坏性创新的理论框架,以平安普惠、天弘基金、腾讯微信支付为例,探析中国情境下互联网金融后发企业破坏性创新追赶路径,验证理论框架的合理可行性。研究发现:破坏性技术创新、破坏性产品创新、破坏性商业模式创新是后发企业破坏性创新追赶的3条路径;三者相辅相成,共同促进后发企业追赶的实现;后发企业破坏性创新的成功开展离不开对市场的准确定位,更离不开对时机的准确把握。Disruptive innovation provides a new cross-developing chance for the latecomer enterprises.Internet finance,as a typical late-comers,whose disruptive innovation has a strong background and industry characteristics.Based on literature research,this paper constructs the theoretical framework of disruptive innovation of latecomer enterprises,chooses successful latecomer enterprises from the three dimensions of loan,deposit and remittance in the financial industry,and takes Pingan Puhui,Tianhong Fund and Tencent-WeChat Pay as examples to explore the catch-up path of disruptive innovation in the latecomer enterprises of internet finance in China,and verify the rationality and feasibility of the theoretical framework.The research finds that disruptive technological innovation,disruptive product innovation and disruptive business model innovation are the three paths for latecomer enterprises to catch up with disruptive innovation;these three be complement with each other and jointly promote the realization of catching-up of latecomer enterprises.The precondition for disruptive innovation in latecomer enterprises is not only the accurate positioning of target market,but also the accurate grasp of timing.The research conclusion can provide guidance for the catch-up path of Chinese Internet financial enterprises with disruptive innovation.

关 键 词：后发企业 破坏性创新 互联网金融 多案例 

分 类 号：F273.1[经济管理—企业管理]