我國(guó)商業(yè)銀行金融產(chǎn)品創(chuàng)新的現(xiàn)狀、問(wèn)題及對(duì)策研究
發(fā)布時(shí)間：2018-11-18 14:14
【摘要】：上個(gè)世紀(jì)90年代，我國(guó)開(kāi)始著手對(duì)商業(yè)銀行進(jìn)行改革，越來(lái)越重視金融產(chǎn)品創(chuàng)新，但由于金融市場(chǎng)受政策管制，發(fā)展速度較慢，創(chuàng)新也主要停留在借鑒國(guó)外商業(yè)銀行的階段。進(jìn)入21世紀(jì)以后，我國(guó)借助加入WTO的契機(jī)，逐漸放開(kāi)金融政策，商業(yè)銀行創(chuàng)新理念也更加先進(jìn)，金融市場(chǎng)上對(duì)創(chuàng)新產(chǎn)品的需求不斷增加。隨著互聯(lián)網(wǎng)金融的發(fā)展和大數(shù)據(jù)時(shí)代的到來(lái)，國(guó)內(nèi)的商業(yè)銀行開(kāi)始思考和摸索金融產(chǎn)品的創(chuàng)新模式。 在發(fā)展和完善金融市場(chǎng)的過(guò)程中，我國(guó)商業(yè)銀行金融產(chǎn)品的創(chuàng)新現(xiàn)狀逐漸清晰。入世前我國(guó)商業(yè)銀行還只是處于模仿和學(xué)習(xí)的階段，金融產(chǎn)品創(chuàng)新的能力與西方發(fā)達(dá)國(guó)家有不小差距。隨著改革開(kāi)放的到來(lái)和金融制度的變革，商業(yè)銀行意識(shí)到唯有不斷創(chuàng)新，才能立足未來(lái)的銀行業(yè)。于是各商行開(kāi)始進(jìn)行體制改革、推出有自己特色的創(chuàng)新產(chǎn)品。后來(lái)還專(zhuān)門(mén)成立了研發(fā)機(jī)構(gòu)，專(zhuān)注金融產(chǎn)品開(kāi)發(fā)和研究。入世后，外資銀行紛紛進(jìn)駐我國(guó)，使得我國(guó)商業(yè)銀行間的競(jìng)爭(zhēng)更加激烈，急需推出更有代表性的系列金融創(chuàng)新產(chǎn)品。 近年來(lái)我國(guó)商業(yè)銀行外部環(huán)境變化不斷。利率市場(chǎng)化使得金融市場(chǎng)更加寬松，交易更靈活，因此也對(duì)商業(yè)銀行要求更高，既要盈利也要注意風(fēng)控。而互聯(lián)網(wǎng)金融的出現(xiàn)，也使得電商等互聯(lián)網(wǎng)領(lǐng)域的巨頭成為商業(yè)銀行新的強(qiáng)有力的競(jìng)爭(zhēng)對(duì)手。它小、快、靈的特點(diǎn)，對(duì)傳統(tǒng)商業(yè)銀行是個(gè)不小的沖擊，商業(yè)銀行必須也開(kāi)拓互聯(lián)網(wǎng)金融相關(guān)業(yè)務(wù)，搶占市場(chǎng)份額。與此同時(shí)，借助物聯(lián)網(wǎng)、大數(shù)據(jù)的幫助，以往從商業(yè)銀行貸款的部分商戶(hù)選擇轉(zhuǎn)向其他金融機(jī)構(gòu)提供的低門(mén)檻的直接融資，這也是我國(guó)商業(yè)銀行要注意的，可以通過(guò)整合交易雙方的資金和信用信息，更加直接、完整的提供服務(wù)。 我國(guó)金融市場(chǎng)的大環(huán)境造成了我國(guó)商業(yè)銀行具有與其他行業(yè)不同的特點(diǎn)。信息技術(shù)的發(fā)展是創(chuàng)新的硬件支持，科技革新為商業(yè)銀行的客戶(hù)帶來(lái)全新體驗(yàn)。隨著人們對(duì)交易活動(dòng)靈活性要求不斷提高，周期短、打包化的系列產(chǎn)品逐漸增多，針對(duì)性也更強(qiáng)。但我國(guó)商業(yè)銀行的創(chuàng)新產(chǎn)品也存在一些問(wèn)題。創(chuàng)新層次較低，，完全自主研發(fā)的比較少，這也造成了產(chǎn)品結(jié)構(gòu)的單一化，不能跟上客戶(hù)不斷變化的需求；商業(yè)銀行自身的風(fēng)險(xiǎn)意識(shí)也亟待提高，創(chuàng)新產(chǎn)品的管理也需要完善。由此，本文從我國(guó)商業(yè)銀行的現(xiàn)狀入手，以期研究我國(guó)商業(yè)銀行金融產(chǎn)品創(chuàng)新的發(fā)展情況。 我國(guó)從2011年開(kāi)始關(guān)注小微企業(yè)金融和移動(dòng)銀行等，希望為客戶(hù)提供更廣泛、多樣化的服務(wù)，雖然起步較西方國(guó)家晚，但也在提速。近三年商業(yè)銀行各類(lèi)創(chuàng)新產(chǎn)品屢見(jiàn)不鮮，交行的e動(dòng)交行、招行的空中銀行及中信的POS商戶(hù)網(wǎng)貸等，這些產(chǎn)品突破了時(shí)間和空間的限制，是未來(lái)的發(fā)展大趨勢(shì)。各商業(yè)銀行都想通過(guò)新產(chǎn)品吸引更多的客戶(hù)資源，本文就從中信銀行入手進(jìn)行研究，通過(guò)對(duì)中信銀行幾款金融創(chuàng)新產(chǎn)品的分析，結(jié)合中信銀行的競(jìng)爭(zhēng)力狀況，總結(jié)其成功經(jīng)驗(yàn)和創(chuàng)新策略，為其他商業(yè)銀行金融產(chǎn)品創(chuàng)新提供啟示。 金融產(chǎn)品創(chuàng)新是商業(yè)銀行增強(qiáng)競(jìng)爭(zhēng)力的法寶，而如何進(jìn)行產(chǎn)品創(chuàng)新則需要商業(yè)銀行內(nèi)部及政府監(jiān)管部門(mén)合力完成。合力實(shí)施的首要前提就是加強(qiáng)銀行業(yè)自身的風(fēng)險(xiǎn)防控和創(chuàng)新的監(jiān)管體系，在行業(yè)內(nèi)制定政策、法規(guī)，敦促行業(yè)加強(qiáng)自身的創(chuàng)新意識(shí)。其次，各銀行內(nèi)部也要建立有效的創(chuàng)新機(jī)制及產(chǎn)品審核制度，做好客戶(hù)調(diào)查，了解市場(chǎng)需求，從而根據(jù)自己的市場(chǎng)定位調(diào)整戰(zhàn)略規(guī)劃。最后，監(jiān)管部門(mén)需要完善風(fēng)險(xiǎn)管理機(jī)制，根據(jù)金融市場(chǎng)的不同階段適時(shí)調(diào)整法規(guī)，為商業(yè)銀行提供一個(gè)自由公平的市場(chǎng)環(huán)境。 綜上，本文重點(diǎn)從理論角度分析了我國(guó)商業(yè)銀行的創(chuàng)新產(chǎn)品現(xiàn)狀和特點(diǎn)，結(jié)合實(shí)證角度綜合研究了我國(guó)商業(yè)銀行創(chuàng)新產(chǎn)品的策略，以期為我國(guó)商業(yè)銀行創(chuàng)新產(chǎn)品的發(fā)展趨勢(shì)提供一些思路和啟示。
[Abstract]:In the 1990s, our country started to reform the commercial bank, and more and more attention to the innovation of the financial products, but because the financial market is subject to the policy control, the development speed is slow, and the innovation is mainly on the stage of borrowing from the foreign commercial bank. After entering the 21st century, our country gradually liberates the financial policy with the opportunity of joining the WTO, and the innovation idea of the commercial bank is more advanced, and the demand for innovative products in the financial market is increasing. With the development of internet finance and the arrival of the big data era, domestic commercial banks begin to think and explore the innovative mode of financial products. In the process of developing and perfecting the financial market, the innovation of the financial products of the commercial banks of our country gradually China's commercial banks are only in the stage of imitation and study before China's accession to the WTO, and the ability of financial product innovation is quite different from that of the western developed countries With the coming of the reform and opening-up and the change of the financial system, the commercial banks realize that only the continuous innovation can base on the future silver As a result, the firm started to carry out the system reform, and introduced the innovation with its own characteristics The product is also specifically set up to focus on the development of financial products and After China's accession to the WTO, foreign banks are entering the country, so that the competition between the commercial banks of our country is more intense, and the more representative series of financial innovation is in urgent need The external ring of commercial bank in China in recent years The change of interest rate has made the financial market more relaxed and the transaction is more flexible, so the demand for commercial banks is higher, which is both profitable and profitable Pay attention to the wind control, and the emergence of Internet finance also makes the giant of the Internet of e-commerce and so on become a new and powerful commercial bank Competitors. It is small, fast, and spirit. It is a big impact on traditional commercial banks. Commercial banks must also open up Internet finance related business and rob Market share. At the same time, with the help of Internet of Things and Big Data, some of the commercial banks in the past have chosen to turn to the low threshold of direct financing from other financial institutions, which is also to be noted by the commercial banks of our country, and the funds of both parties can be transferred through the whole transaction and credit information, more direct, complete, The large-scale environment of our country's financial market has caused the commercial bank of our country to have its own The development of information technology is an innovative hardware support, and technology innovation is a commercial bank. The customer has a brand-new experience. With the continuous improvement of the flexibility of the transaction activity, the short period and the packaged series of products gradually increase. More and more targeted, but the innovation of China's commercial banks There are also some problems in the product. The innovation level is relatively low, and the total independent R & D is less, which also leads to the simplification of the product structure and cannot keep up with the changing demand of the customer; the self-consciousness of the commercial bank needs to be improved, and the innovative products The management of commercial banks in China is also necessary to improve the management of commercial banks in our country. The development of product innovation. China began to pay close attention to the small micro-enterprise financial and mobile banking in 2011, hoping to provide the customers with more extensive and diversified services, although the start is higher Late in the western countries, but also at the speed of speed-up. In recent three years, the various innovative products of commercial banks have been in the same time, and the e-dynamic cross-line of the bank, the air bank of the bank and the POS merchant network of Citic, etc., break through the limits of time and space. The system is the future development trend. All commercial banks want to attract more customer resources through new products. This paper is to study from Citic Bank, and through the analysis of the financial innovation products of Citic Bank, and in combination with the competitive situation of China Citic Bank, the total The successful experience and innovative strategy for other commercial banks The innovation of financial products is an inspiration. The innovation of financial products is the method of enhancing the competitiveness of commercial banks, and how to carry out product innovation requires commercial silver The first prerequisite for the implementation of the resultant force is to strengthen the supervision system of the risk prevention and control and innovation of the banking industry, and formulate policies and regulations in the industry 2. To urge the industry to strengthen its own innovative consciousness. Secondly, it is necessary to set up effective innovation mechanism and product audit system within each bank, and make a good job of the customer's investigation and understand the market demand, so that the root In the end, the regulatory authorities need to improve the risk management mechanism, adjust the regulations in due time according to different stages of the financial market, and provide the business silver This paper provides a free and fair market environment. On the whole, this paper analyzes the current situation and characteristics of the innovative products of our commercial banks from the theoretical angle, and studies the strategy of the innovation products of our commercial banks in combination with the positive angle, with a view to creating a new product for the commercial banks of our country.
【學(xué)位授予單位】：河南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.2
本文編號(hào)：2340259
[Abstract]:In the 1990s, our country started to reform the commercial bank, and more and more attention to the innovation of the financial products, but because the financial market is subject to the policy control, the development speed is slow, and the innovation is mainly on the stage of borrowing from the foreign commercial bank. After entering the 21st century, our country gradually liberates the financial policy with the opportunity of joining the WTO, and the innovation idea of the commercial bank is more advanced, and the demand for innovative products in the financial market is increasing. With the development of internet finance and the arrival of the big data era, domestic commercial banks begin to think and explore the innovative mode of financial products. In the process of developing and perfecting the financial market, the innovation of the financial products of the commercial banks of our country gradually China's commercial banks are only in the stage of imitation and study before China's accession to the WTO, and the ability of financial product innovation is quite different from that of the western developed countries With the coming of the reform and opening-up and the change of the financial system, the commercial banks realize that only the continuous innovation can base on the future silver As a result, the firm started to carry out the system reform, and introduced the innovation with its own characteristics The product is also specifically set up to focus on the development of financial products and After China's accession to the WTO, foreign banks are entering the country, so that the competition between the commercial banks of our country is more intense, and the more representative series of financial innovation is in urgent need The external ring of commercial bank in China in recent years The change of interest rate has made the financial market more relaxed and the transaction is more flexible, so the demand for commercial banks is higher, which is both profitable and profitable Pay attention to the wind control, and the emergence of Internet finance also makes the giant of the Internet of e-commerce and so on become a new and powerful commercial bank Competitors. It is small, fast, and spirit. It is a big impact on traditional commercial banks. Commercial banks must also open up Internet finance related business and rob Market share. At the same time, with the help of Internet of Things and Big Data, some of the commercial banks in the past have chosen to turn to the low threshold of direct financing from other financial institutions, which is also to be noted by the commercial banks of our country, and the funds of both parties can be transferred through the whole transaction and credit information, more direct, complete, The large-scale environment of our country's financial market has caused the commercial bank of our country to have its own The development of information technology is an innovative hardware support, and technology innovation is a commercial bank. The customer has a brand-new experience. With the continuous improvement of the flexibility of the transaction activity, the short period and the packaged series of products gradually increase. More and more targeted, but the innovation of China's commercial banks There are also some problems in the product. The innovation level is relatively low, and the total independent R & D is less, which also leads to the simplification of the product structure and cannot keep up with the changing demand of the customer; the self-consciousness of the commercial bank needs to be improved, and the innovative products The management of commercial banks in China is also necessary to improve the management of commercial banks in our country. The development of product innovation. China began to pay close attention to the small micro-enterprise financial and mobile banking in 2011, hoping to provide the customers with more extensive and diversified services, although the start is higher Late in the western countries, but also at the speed of speed-up. In recent three years, the various innovative products of commercial banks have been in the same time, and the e-dynamic cross-line of the bank, the air bank of the bank and the POS merchant network of Citic, etc., break through the limits of time and space. The system is the future development trend. All commercial banks want to attract more customer resources through new products. This paper is to study from Citic Bank, and through the analysis of the financial innovation products of Citic Bank, and in combination with the competitive situation of China Citic Bank, the total The successful experience and innovative strategy for other commercial banks The innovation of financial products is an inspiration. The innovation of financial products is the method of enhancing the competitiveness of commercial banks, and how to carry out product innovation requires commercial silver The first prerequisite for the implementation of the resultant force is to strengthen the supervision system of the risk prevention and control and innovation of the banking industry, and formulate policies and regulations in the industry 2. To urge the industry to strengthen its own innovative consciousness. Secondly, it is necessary to set up effective innovation mechanism and product audit system within each bank, and make a good job of the customer's investigation and understand the market demand, so that the root In the end, the regulatory authorities need to improve the risk management mechanism, adjust the regulations in due time according to different stages of the financial market, and provide the business silver This paper provides a free and fair market environment. On the whole, this paper analyzes the current situation and characteristics of the innovative products of our commercial banks from the theoretical angle, and studies the strategy of the innovation products of our commercial banks in combination with the positive angle, with a view to creating a new product for the commercial banks of our country.
【學(xué)位授予單位】：河南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.2
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