【摘要】：自20世紀(jì)80年代以來，經(jīng)濟全球化的發(fā)展，促使國際資本流動性不斷加大，金融自由化和寬松的經(jīng)濟環(huán)境推動著金融全球化日益廣泛，而各國金融管制的放松使得銀行業(yè)競爭更加激烈。作為國際經(jīng)濟發(fā)展過程中起著重要作用的金融市場，其蓬勃發(fā)展的基礎(chǔ)是金融創(chuàng)新，而金融創(chuàng)新的基礎(chǔ)又是金融產(chǎn)品的創(chuàng)新。金融創(chuàng)新蓬勃興起和快速發(fā)展，提高了金融市場的效率，增強了金融對經(jīng)濟的推動力和滲透力，，金融發(fā)展空間不斷拓展，金融創(chuàng)新由此而成為金融發(fā)展和經(jīng)濟發(fā)展的重要動力之源。 本文著重于對黑龍江中行近年來金融產(chǎn)品創(chuàng)新和發(fā)展的分析研究，通過介紹中國商業(yè)銀行金融產(chǎn)品創(chuàng)新的現(xiàn)狀，并以中國銀行股份有限公司黑龍江省分行近10年來創(chuàng)新產(chǎn)品的發(fā)展歷程和現(xiàn)狀為例，分析了存在的問題、存在的原因和影響產(chǎn)品創(chuàng)新業(yè)務(wù)發(fā)展的因素。并通過引入商業(yè)銀行金融產(chǎn)品創(chuàng)新演化模型，并對其創(chuàng)新模式的發(fā)展進行數(shù)理推導(dǎo)和分析，為中國銀行黑龍江省分行的金融創(chuàng)新模式的研究提供了理論基礎(chǔ)和新的切入點，找出問題的實質(zhì)原因所在，提出對黑龍江中行產(chǎn)品創(chuàng)新和發(fā)展的建議和對策。旨在提高其金融產(chǎn)品的不斷創(chuàng)新發(fā)展的能力，保證產(chǎn)品的可持續(xù)發(fā)展。
[Abstract]:Since the 1980s, with the development of economic globalization, the international capital mobility has been increasing, and the financial liberalization and the loose economic environment have promoted the financial globalization more and more widely. The relaxation of financial regulations in various countries has made the banking industry more competitive. The financial market, which plays an important role in the international economic development, is based on financial innovation, which is based on the innovation of financial products. The booming and rapid development of financial innovation has improved the efficiency of financial markets, enhanced the driving force and penetration of finance to the economy, and expanded the space for financial development. Therefore, financial innovation has become an important source of power for financial development and economic development. This paper focuses on the analysis and study of financial product innovation and development of Bank of China in Heilongjiang in recent years, and introduces the current situation of financial product innovation in China's commercial banks. Taking the development history and present situation of innovative products in Heilongjiang Branch of Bank of China Co., Ltd. In the past 10 years as an example, this paper analyzes the existing problems, the causes and the factors that affect the development of product innovation business. By introducing the evolution model of financial product innovation of commercial banks and analyzing the development of its innovation model, it provides a theoretical basis and a new breakthrough point for the research of financial innovation model of Bank of China Heilongjiang Branch. Find out the essential reason of the problem, put forward the suggestion and countermeasure to the product innovation and development of Heilongjiang Bank of China. The aim is to improve the ability of continuous innovation and development of its financial products and to ensure the sustainable development of its products.
【學(xué)位授予單位】：哈爾濱工程大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.33

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