天翼电子商务：运营商的互联网金融布局
案例编号：
CN_2020XXXTYDZSW_6770
被浏览次数：
2542
案例名称：
天翼电子商务：运营商的互联网金融布局
译名：
Bestpay: Technology Empowerment and Innovation Reform
案例作者：
石明明、曾茂霞、刘珊
作者单位：
中国人民大学商学院
译者：
-
案例企业：
天翼电子商务有限公司
行业：
服务业
学科领域：
金融科技、数字化转型、信息系统与电子商务、其他
规模：
大型
案例语种：
中文
案例类型：
描述型
中文关键词：
-
英文关键词：
-
中文摘要：
天翼电子商务（又称甜橙金融）是中国电信旗下互联网金融的重要板块，兼具“金融、电信、金融科技”的特点。本案例描述了甜橙金融从第三方支付切入，逐渐拓展出财富管理、消费金融等C端金融服务，以及发展征信、供应链金融、聚合支付等B端金融服务，布局以运营商为基础的互联网金融生态圈的决策过程。案例聚焦于运营商布局互联网金融的实践，启发学生了解数字经济时代的金融变革，理解互联网金融以及互联网消费金融等细分领域，认识到运营商布局互联网金融的特点，掌握发展互联网金融业务的分析能力和一定的决策能力。
英文摘要：
Bestpay (also known as Orange Finance) is the Internet financial platform of China Telecom. In 2018, Bestpay was selected into the \"Double Hundred Enterprises\" of SASAC. Taking the mixed ownership reform as an opportunity, the company coordinated resources and business with strategic investors, vigorously developed financial technology and empowered business development with technology. The company upgraded to smart finance through emerging technologies, and supported the development of financial services through technological innovations such as intelligent risk control innovation, media innovation, big data technology innovation, and independent R&D innovation. The company has actively explored model innovation, such as relying on the advantage of China Telecom to explore the operator-style differentiated business model of “industry + finance + technology”; taking innovative technology as the cornerstone to build the \"Four Platforms\" to empower the group’s ecosystem; and taking data technology as the driving force to build a “payment + finance” technology ecosystem of cluster symbiosis and linkage development. In addition, under the guidance of the \"3 + 3\" policy system at the company and staff level, through the implementation of a series of reforms such as equity diversification and mixed ownership reform, improvement of corporate governance structure, market-oriented operating and incentive mechanism and restraint mechanism, Orange Finance is transforming into a more market-oriented direction in terms of institutional mechanisms.
适用对象：
硕士、MBA、EMBA、EE
编写方式：
采编
开发时间：
2020
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