HN作为农业大省，长期以来担任的都是全中国的粮仓的角色。因为地处中 原，其商业的发展及对外开放都要晚于东部及南部沿海地区，因此，HN工商业 的发展比之沿海地区存在较大差异。根据HN工商行政管理局2015年11月发布 的《小微企业发展分析报告》数据显示，HN企业超九成为小微企业，其中85.2% 的小微企业为私营企业，构成HN小微企业的主体。综合考虑制约HN民营小微 企业发展的诸多原因，其首要问题就是由于小微企业先天的调解决定了其难以获 得支撑其进一步发展的融资。为解决这个问题，HN工商联与JS银行联合寻找 解决方案。 工商联作为党和政府、非公经济人士的桥梁和纽带，肩负着促进HN小微企 业发展的重要责任。省工商联与JS银行合作，搭建“网上工商联智慧服务平台”， 在相应省政府建设信息化办公系统的工作号召的同时，与银行进行深度合作，解 决HN民营小微企业融资难问题。平台以网上办公系统为主体，实行工商联信息 化办公，同时争取下属工商联、商会及下属商会会员进行电子注册及身份认证， 全面掌握HN小微企业信息数据，真正实现注册会员的一体化办公，让会员获得 一站式的办公体验。 本文则是以该平台项目的信息化办公功能为基础，从企业服务需求分析、平 台项目前景预测着手进行的商业模式优化设计。其目的就是期望平台项目不仅能 够满足信息化办公的需要，同时也能够在此基础上增加盈利服务项目，实现平台 收益。平台的建设不仅迎合了HN工商联信息化办公的需求，也为小微企业获得 发展所需的资金以及相关服务提供了可靠渠道。同时，平台通过提供相应服务创 造一定的收益使自身能够自给自足良性发展。 关键词：工商联；服务平台；小微企业；商业模式 II Abstract Asabigagriculturalprovince,HNhaslongbeenthegranaryofChina.Because itislocatedintheCentralPlains,itscommercialdevelopmentandopeningtothe outsideworldarelaterthantheeasternandsoutherncoastalareas.Sothereisabig gapbetweenHNProvinceandthecoastalareasonindustrialandcommercial development.AccordingtothedataofHNProvincialAdministrationforIndustryand CommerceissuedinNovember2015,ProvincialAdministrationforIndustryand CommerceinNovember2015,over90%HNProvinceenterprisesaresmalland microenterprises,ofwhich85.2%areprivateenterprises,whichconstitutethemain bodyofsmallandmicroenterprisesinHNprovinceprehensivelyconsidering thereasonsthatrestrictthedevelopmentoftheprivatesmallandmicroenterprisesin HN,thefirstproblemisthatinnatemediationofsuchenterprisesmakesitdifficultto obtainthefinancingtosupporttheirfurtherdevelopment.Tosolvethisproblem,HN IndustryandCommerceFederationcooperateswithJSBankrecently. AsabridgeandlinkbetweenthePartyandthegovernmentandnon-public economicpersonages,theIndustryandCommerceFederationshoulderstheimportant responsibilityofpromotingthedevelopmentofsmallandmicroenterprisesinHN Province.IncooperationwiththeJSBank,theFederationhassetuptheHNIndustry andCommerceFederationOn-lineIntelligentServicePlatform.Itsarespondtothe callwhichtheprovincialgovernmentsetforbuildinginformatizationofficesystem whilesettingasolutiontothefinancingproblemtheenterprisesfacing.ThePlatform takestheonlineofficesystemasthemainbodyimplementingtheinformationoffice oftheFederation.Atthesametime,itstrivesforthesubordinateFederation,the ChamberofCommerceandthesubordinatememberstocarryontheelectronic registrationandtheidentityauthentication,comprehensivelygraspingtheHN Provincesmallandmicroenterpriseinformationdata.Thatwilltrulyrealizesthe integratedofficeoftheregisteredmembers,sothattheycanobtainaone-stopoffice experience. Basedonthesmartofficefunctionoftheplatformproject,thispaperisactuallya businessmodeloptimizationdesignstartingwithenterprisesservicedemandanalysis III andprojectprospectforecast,whichaimstorealizetheplatformincomebynotonly meetingtheneedsofsmartofficebutalsoincreasetheprofitservicessections.The constructionofthePlatformnotonlymeetstheneedsoftheinformationofficeofHN IndustryandCommerceFederation,butalsoprovidesareliablechannelforsmalland microenterprisestoobtainthefundsneededfordevelopmentandrelatedservices.At thesametime,thePlatform,throughtheprovisionofcorrespondingservices,creates acertainamountofincomesothattheycanself-sufficientlyandhealthfullydevelop. Keywords:IndustryandCommerceFederation,ServicePlatform,smalland microenterprises,businessmodel IV 目录 第一章绪论----------------------------------------------------------------------1 第一节选题背景.................................................................................................1 第二节研究内容与目的.....................................................................................3 一研究内容....................................................................................................................3 二研究目的....................................................................................................................3 第三节论文结构.................................................................................................3 第二章项目概述----------------------------------------------------------------5 第一节HN工商联简介.......................................................................................5 第二节项目开发目标.........................................................................................6 第三节项目需求分析.........................................................................................7 一HN省小微企业发展困境.........................................................................................7 二小微企业服务需求调查............................................................................................9 第四节项目前景预测.......................................................................................10 一项目优势..................................................................................................................10 二项目劣势..................................................................................................................11 三项目机遇..................................................................................................................11 四项目威胁..................................................................................................................12 第三章项目商业模式设计---------------------------------------------------13 第一节项目商业模式基本架构.......................................................................13 一项目定位..................................................................................................................13 二商业模式整体思路..................................................................................................13 第二节项目盈利模式.......................................................................................18 一收取商会会员会费..................................................................................................19 二收取会员商品交易利润分成。..............................................................................19 三人才数据平台付费服务..........................................................................................19 V 四在线商学院课程付费..............................................................................................19 五法律服务平台付费服务..........................................................................................20 第三节项目运营方案.......................................................................................20 一运营团队人员组建..................................................................................................20 二项目推广方案..........................................................................................................21 第四节项目运营风险因素及应对...................................................................23 一市场风险及应对......................................................................................................23 二管理风险及应对......................................................................................................23 第四章项目运营成本分析及收入预测------------------------------------25 第一节项目运营成本分析...............................................................................25 一项目资金来源..........................................................................................................25 二项目运