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通过研读国内外大量相关文献，发现在对产业价值链的价值分配研究中，研究的
内容集中于产业价值链价值分配的方法，并且大多是从博弈论角度进行推导，理论与
实证的结合也做得比较少。大部分研究在博弈论部分都设置了大量前提假设条件，这
样理想化的假设，固然方便了模型的推导，但是缺乏实践的支撑。因此，数学模型的
推导只是进行博弈分析的一种手段，描述了参与主体的博弈过程，是简单化的产业合
作模型。本文就是在这样的背景下提出的，来研究我国移动金融产业价值链的价值分
配问题。文章以产业价值链理论为背景，构建了我国移动金融产业价值链模型，明确
了移动金融产业价值链的构成和参与主体。运用演化博弈模型预测产业价值链上合作
企业之间的价值分配过程，并描绘其演化轨迹。
论文以资源基础理论、交易成本理论、公平理论、风险收益均衡理论、产业价值
链理论等为基础，基于国内外现有学者的研究成果，把权力和专用投资作为自变量，
把价值分配作为因变量，把期望绩效、价值创造、风险、议价能力、依赖这些变量作
为中间变量，构建了移动金融产业价值链的价值分配影响因素概念模型,揭示移动金融
产业价值链价值分配影响因素的作用机理，然后通过问卷调查得到了390份有效问卷，
利用Lisrel8.70进行了结构方程模型建模，对提出的研究假设检验进行了显著性检验。
本文在理论分析基础上，运用了规范的实证分析方法，以产业价值链理论为基础，
构建了移动金融产业价值链模型，提出了移动金融产业价值链的价值分配影响因素的
理论概念模型，并探讨了权力、专用投资、依赖、风险、绩效期望、议价能力和价值
创造对价值分配的影响，并针对实证结果给出了促进我国移动金融产业发展的对策。
文章丰富了移动金融产业价值链及价值分配相关领域的研究成果，为后续相关研究提
供了实证支持，为企业参与产业价值链合作，提高合作绩效提供了参考。
论文共分为9章：
第1章为绪论部分。对论文的研究背景及意义、国内外研究现状、论文的研究目的
与研究方法、论文主要创新点作了详细的介绍。
第 2 章为相关理论综述。本章对产业价值链理论、价值分配理论、博弈论理论及
其他相关理论分别进行了理论综述。
第 3 章为移动金融产业价值链分析。首先阐述了移动金融及其价值的涵义及特点。
然后，分析了国内外移动金融产业的发展现状及影响移动金融产业发展的因素，介绍
了移动金融产业的融合，探析了移动金融价值链主导权变迁的机理。
第 4 章为移动金融产业价值链的价值分配研究，是论文的核心部分。本章首先介
绍了移动金融产业价值链的价值分配机制及分配机制的主导企业，其中包括分配原则、
影响因素、主导企业特征。然后提出了移动金融产业价值链的价值分配模式，最后构
建了移动金融产业价值链的价值分配模式模型，并运用博弈论理论和数理方法对模型
进行了分析。
第 5 章为移动金融产业价值链的价值分配的影响因素分析。本章是根据前文现有
理论研究成果，结合我国移动金融发展现状，分析了我国移动金融价值链的价值分配
的影响机理。
第 6 章为移动金融产业价值分配的实证研究设计。首先，对研究方法与研究工具
的介绍，其中对结构方程模型及 Lisrel 软件做了重点的介绍。其次，依据现有国内外
研究成果，对本研究的权力、专用投资、绩效期望、依赖、价值创造、风险、议价能
力及价值分配 8 个潜变量进行了测量。第三，介绍了调查问卷的设计过程及问卷的组
成，并对研究量表的形成详细过程做了重点汇报。最后对数据收集过程的介绍，并对
所收集样本数据的进行了统计描述。
第 7 章为移动金融产业健康发展的优化对策。本章根据我国移动金融产业发展中
的问题，结合前文对移动金融产业的分析，提出了促进我国移动金融产业进一步发展
的优化对策，为参与主体改进价值分配对策提供参考。
第 8 章为实证结果分析与讨论，通过前边的实证假设检验，分析影响移动金融产
业价值链的主要因素，对假设进行验证，并给出具体的影响因素和影响机理。
第 9 章为结论与展望。基于前文的研究过程及研究结果，本章给出了本文研究的
主要结论，研究的局限性，并指明了后续工作中深入研究的主要方向。
文章在现有研究的基础上，创造性地将权力、专用投资、依赖、期望绩效、风险、
议价能力、价值创造和价值分配纳入统一的分析框架，探究它们的相互影响关系，拓
宽了领域研究思路，丰富了领域研究内容。
关键词：
移动金融，产业价值链，价值分配
Abstract
With the popularity of 3G technology and mobile terminals devices, people's demand
for financial services is enhancing, financial service mode is also changing and positively
under the new social background. As a new and integration mode of financial service,
mobile financial emerges at a historic moment, and shows huge potential and broad market
prospect. Mobile banking industry has more than ten years of development history in China,
from the beginning of the payment pilot to the formation of mobile financial platform,
mobile financial industry scale has been the breakthrough development. However, there exist
many substantive problems in mobile banking industry, which hinders the development of
mobile banking industry seriously. In particular, collaborative agents of mobile banking
industry now haven’t established the reasonable value distribution of industry value chain in
the cooperation. There are all kinds of contradictions in Cooperation value distribution,
which directly affects the enthusiasm of all parties and restricts industry’s cooperation and
development. To establish the value distribution mode of Mobile financial industry value
chain conforming to the situation of our country is the key to promote the development of
mobile financial industry in China.
Related research literatures domestic and overseas show that most of the scholars
mainly studied the method of value distribution in industry value chain from the perspective
of game theory, but there are few scholars explored this topic with the method combining
theoretical and empirical. Studying the problem from the perspective of game theory usually
sets the assumptions, but there are a lot of the assumptions haven’t been satisfied in the
empirical study, so there is a certain deviation in the process of empirical, which doesn’t
completely have empirical research for the theory. This article studies the value distribution
of mobile banking industry value chain in our country under such background. Based on the
industrial value chain theory, this paper builds the value chain model of mobile financial
industry in China, and obtains composition and main participants of mobile financial
industry value chain. The paper predicts value distribution process among cooperation
enterprises of industry value chain with evolutionary game model, and describes its
evolution path.
Based on resource-Based theory, transaction costs theory, equity theory, risk return
theory and value distribution theory and the existing research at home and abroad, the paper
brings in the special investment and power as the independent variables and takes value
distribution as the dependent variable. At the same time, this paper joins the expected
performance, value creation, risk, bargaining power and dependence these variables, builds
the concept model of factors that affect the value distribution, and reveals the mechanism of
these influence factors in mobile financial industry. Then through questionnaires and SEM
analysis, the hypothesis test is proposed.
Based on the industrial value chain theory, this paper integrates the methods of
theoretical analysis and empirical analysis, constructs the model of mobile financial industry
value chain, puts forward the concept model of factors that affect the value distribution of
mobile financial industry value chain, explores the mechanism of factors that affect the value
distribution of mobile financial industry value chain by using empirical method specifically
and gives the countermeasures to promote the development of mobile financial industry in
China according to the empirical result. The article enriches the research content and
enhances the depth of field of research by having the very strong innovation value and
theoretical significance. Based on the empirical study of factors affecting the value
distribution of mobile financial industry value chain, the paper finds out the key factors that
affect the value distribution of mobile financial industry value chain. The results provide
management enlightenments and guidance for the main body participating in mobile
financial industry to explore improved strategy of value distribution of mobile financial
industry value chain and improve the efficiency of the value distribution, for other industry
cooperation and the government to make relevant policy recommendations, having a strong
practical significance.
Chapter 1 is the introduction part. This chapter introduces in detail the research
background, significance, research status at home and abroad, the aim of research, the
research methods and the main innovation points.
Chapter 2 is the review of related theories. This chapter carries on the theoretical review
respectively about the industrial value chain theory, the value distribution theory, game
theory and other related theory.
Chapter 3 is the analysis of mobile financial industry value chain. Firstly, this chapter
expounds the meaning and characteristics of mobile financial and its value. Then, the paper
analyzes the development of mobile financial industry at home and abroad and the factors
affecting the development of mobile financial industry, introduces the integration of mobile
financial industry. Last, this chapter analyses the mechanism of control change of mobileAbstract
financial value chain.
Chapter 4 is the research about value distribution of mobile financial industry value
chain as the core part of the paper. This chapter firstly introduces the value allocation
mechanism of mobile financial industry value chain and the leading enterprises in value
distribution, including the distribution principles, influence factors, characteristics of leading
enterprises. And then, this chapter puts forward the value distribution pattern of mobile
financial industry value chain. Finally, this chapter builds the value distribution model of
mobile financial industry value chain and analyzes the model by using theory of game theory
and mathematical method.
Chapter 5 is the analysis of factors affecting the value distribution of mobile financial
industry value chain. Based on the existing theoretical research results above, this chapter
analyzes the influence mechanism of the value distribution of mobile financial value chain
combining with the current mobile financial development in China.
Chapter 6 is the empirical study about value distribution of mobile financial industry.
First of all, according to the existing research results, this chapter puts forward the concept
model of value distribution of mobile financial industry value chain on the basis of defining
the relevant variables. Secondly, this chapter designs questionnaire combining with domestic
and foreign mature metrics, , investigates, collects data and measures the variables. Then,
this chapter analyzes data by using software SPSS13.0 and LISREL8.70, and discusses the
test results. The empirical results show that there are ten hypotheses get through and three
hypotheses didn't get through. Finally, this chapter discusses China's development practice
and puts forward the management implications of research according to the result of
empirical analysis.
Chapter 7 is the optimization countermeasure for moving the healthy development of
mobile financial industry. Combined with the above analysis of mobile financial industry,
this chapter puts forward the optimizing countermeasure to promote the further development
of China mobile financial industry according to the problems in the development of mobile
financial industry in China and provides the reference of improved countermeasures of value
distribution for the main body participating in mobile financial industry.
Chapter 8 is conclusion and prospect. Based on the above research process and research
results, this chapter gives the main conclusion and the limitation of the study, and pointes out
the follow-up work of the main direction of further research.
Based on the existing research, the article creatively puts the power, investment,
dependence, expected performance, risk, bargaining power, value creation and value
distribution into a unified analysis framework, explores their interaction relations, widens the
field of research ideas, and enriches the field of research content.
Keywords:
Mobile banking, Industry value chain, value distribution
