大数据时代下金融服务创新决策的影响因素研究

Research on Influencing Factors of Financial Service Innovation Decision in Big Data Era

摘要: 金融服务业作为世界各国经济发展的重要支柱之一，能帮助国家的经济形态从传统工业经济转变到知识经济为主体的转型，更是知识型服务业中的重要组成部分。目前我国正在经历从劳动密集型到知识密集型的产业转型的重要阶段，提升金融服务水平，增强金融服务创新能力已成为转型能否成功的重要因素之一。而金融服务创新受到了诸多因素的影响，为进一步探究金融服务创新决策，本文将对其影响因素以及各因素之间的相互作用进行分析，从而为金融机构的创新决策提供一定的参考依据。

Abstract: As one of the important pillars of economic development in the world, financial service industry can help the transition from traditional industrial economy to knowledge economy, and it is also an important part of knowledge-based service industry. At present, China is going through an important stage of industrial transformation from labor-intensive to knowledge-intensive. Improving the level of financial service and enhancing the innovation ability of financial service have become one of the important factors for the success of the transformation. And the financial service innovation is affected by many factors. In order to further explore the financial service innovation decision-making, this paper will analyze the influencing factors and the interaction among the factors, thus providing certain reference basis for the financial institution’s innovation decision-making.