CAJ | 학술논문

商业模式自身的周期性及传统产业链的不断细分、拆解、重构、融合甚至与其他行业的交织、渗透．使商业模式转型成为必然。在商业模式转型中，收入模式是核心，价值链分析是基础，资产配置是支撑。收入模式有三个关键词，即主营业务、锁定客户、赢利点，主要有出租模式、分销模式、服务模式、代理模式、股权模式等．收入模式转型就是要提出新的价值主张；价值链覆盖范围包括产品型、代工型、服务型、一体化型．价值增值伴随着成本与费用的发生，问题的关键是实现每一项活动的净值最大化，并占据高利润的活动区间；核心资产主要包括金融资产、实物资产、人力资产、无形资产，不同模式四种资产比例各不相同。
상업모식자신적주기성급전통산업련적불단세분、탁해、중구、융합심지여기타행업적교직、삼투．사상업모식전형성위필연。재상업모식전형중，수입모식시핵심，개치련분석시기출，자산배치시지탱。수입모식유삼개관건사，즉주영업무、쇄정객호、영리점，주요유출조모식、분소모식、복무모식、대리모식、고권모식등．수입모식전형취시요제출신적개치주장；개치련복개범위포괄산품형、대공형、복무형、일체화형．개치증치반수착성본여비용적발생，문제적관건시실현매일항활동적정치최대화，병점거고리윤적활동구간；핵심자산주요포괄금융자산、실물자산、인력자산、무형자산，불동모식사충자산비례각불상동。
The life cycle of business model, the segmentation, disassembling, rebuilding and integration of the industrial chain and the intertexture and penetration among different industries imposes requirement on business model transformation. During the process of business model transformation, the income model is the core; value chain analysis is the basis; and asset distribution is the support. There are three keywords related to income model, namely main business, lock-in customer and point of profit; there are five models of income, such as the model of rent, distribution, service, agent and equities; the transformation of income model means that we should put forward a new value proposition. Value appreciation will be accompanied with cost and expenses; the key of this problem is to realize the maximized net value of every activity and to exploit the best resources of profit. The core asset includes such asset as financial asset, physical asset, human resources asset and intangible assets; with different models, the proportion of each asset will be different. The business model is dynamic and it should be continually updated.