CAJ | 학술논문

以往关于模块化的应用研究主要集中于制造业，本文是模块化理论在金融服务业应用研究的一次尝试。本文认为。银行卡产业模块化的价值创新机理就在于实现了从价值链向价值群的价值创新系统转变。我国银行卡产业模块化价值创新应该从三个方面着手：一是在产品模块化创新层面。着重银行卡产品设计规则参与、产品创新和服务标准化；二是在企业模块化再造层面，着重银行卡业务组件模块化和组织管理模块化；三是在生产网络模块化层面。着重外包策略和网络联盟在实现模块价值创新中的重要作用。
이왕관우모괴화적응용연구주요집중우제조업，본문시모괴화이론재금융복무업응용연구적일차상시。본문인위。은행잡산업모괴화적개치창신궤리취재우실현료종개치련향개치군적개치창신계통전변。아국은행잡산업모괴화개치창신응해종삼개방면착수：일시재산품모괴화창신층면。착중은행잡산품설계규칙삼여、산품창신화복무표준화；이시재기업모괴화재조층면，착중은행잡업무조건모괴화화조직관리모괴화；삼시재생산망락모괴화층면。착중외포책략화망락련맹재실현모괴개치창신중적중요작용。
Modularization is a widely used industrial organization format in manufacture industries but few in finance industry. The paper try to establish a theory frame of credit card industry with modularization theory, The value innovation mechanism of credit card industry is that it had achieved the transition from value chain to value clusters. The strategies of value innovation contain three aspects. First is the production level, modularization is an effect way to promote card product design and innovation. Second is the enterprise level, modularization is the recompose method of tasks and organization, Third is the production networks level, modularization especially outsourcing and union is the important strategy to create the value clusters.