【摘要】：在全球化日益發(fā)展的今天,銀行之間的競爭已經(jīng)逐步由單一的存放款業(yè)務(wù)競爭向人才競爭轉(zhuǎn)變。不斷向市場推出具有競爭力的金融產(chǎn)品已經(jīng)成為現(xiàn)代銀行取得長遠競爭優(yōu)勢的重要手段之一。城市商業(yè)銀行要在未來的激烈競爭中占有一席之地,就必須加快與提高金融產(chǎn)品的創(chuàng)新與服務(wù),盡快建立多樣化的現(xiàn)代金融產(chǎn)品,用戰(zhàn)略的、發(fā)展的眼光,做好金融產(chǎn)品的創(chuàng)新,積極推廣銀行的金融產(chǎn)品,才能充分發(fā)揮商業(yè)銀行潛在的競爭優(yōu)勢,更好地適應未來金融產(chǎn)品的戰(zhàn)略和組織變革,這對城市商業(yè)銀行的金融產(chǎn)品創(chuàng)新能力提出了新的更高的需求。 寧夏銀行面對當前全球經(jīng)濟金融形勢的復雜多變、銀行間競爭的逐步升級以及地方商業(yè)銀行的市場爭搶,作為微觀主體的寧夏銀行,如何在城市商業(yè)銀行跨區(qū)域經(jīng)營的大潮中做好適應市場需求的金融產(chǎn)品的創(chuàng)新及其服務(wù)管理仍是一個亟待研究的問題,而只有建立起科學靈活的金融產(chǎn)品創(chuàng)新體制,寧夏銀行才有能力依托跨區(qū)域經(jīng)營,實現(xiàn)各項新金融產(chǎn)品業(yè)務(wù)的全面發(fā)展、資金利用能力的顯著提升以及資產(chǎn)規(guī)模的不斷擴張,從而為成功上市奠定基礎(chǔ)。 本文首先通過研究寧夏銀行金融產(chǎn)品開發(fā)及服務(wù)創(chuàng)新對寧夏銀行整體業(yè)務(wù)發(fā)展的影響,進一步揭示影響寧夏銀行金融產(chǎn)品開發(fā)及服務(wù)創(chuàng)新的影響因素,為分析寧夏銀行金融產(chǎn)品開發(fā)及服務(wù)創(chuàng)新過程中出現(xiàn)的問題提供理依據(jù)。在研究了影響寧夏銀行金融產(chǎn)品開發(fā)及服務(wù)創(chuàng)新中的影響因素后,從理論的角度分析了寧夏銀行在金融產(chǎn)品開發(fā)及服務(wù)創(chuàng)新中存在的問題,并提出了相應的解決對策,對于消除制約寧夏銀行金融業(yè)務(wù)發(fā)展的因素,提高寧夏銀行金融產(chǎn)品開發(fā)及服務(wù)模式創(chuàng)新的水平,尋求寧夏銀行與客戶之間良性合作的互惠共贏的道路,促進寧夏銀行快速發(fā)展,促進我國國民經(jīng)濟健康可持續(xù)發(fā)展具有積極的理論價值和意義。
[Abstract]:With the development of globalization, the competition among banks has gradually changed from a single deposit business competition to a talent competition. Continuous introduction of competitive financial products to the market has become one of the important means for modern banks to obtain long-term competitive advantage. In order to have a place in the fierce competition in the future, city commercial banks must speed up and improve the innovation and service of financial products, establish diversified modern financial products as soon as possible, and use a strategic and developmental vision. Only by doing well the innovation of financial products and actively promoting the financial products of banks can commercial banks give full play to their potential competitive advantages and better adapt themselves to the strategic and organizational changes of future financial products. This puts forward a new and higher demand for the innovation ability of the financial products of the city commercial banks. In the face of the complex and changeable global economic and financial situation, the gradual upgrading of competition among banks and the market competition of local commercial banks, Ningxia Bank, as the microcosmic main body, is the Ningxia Bank. How to do well the innovation and service management of financial products to meet the market demand in the tide of cross-regional operation of city commercial banks is still an urgent problem to be studied, but only a scientific and flexible financial product innovation system can be established. Ningxia Bank has the ability to rely on cross-regional management to achieve the overall development of new financial products business, the significant improvement of the ability of capital utilization and the continuous expansion of assets, thus laying the foundation for successful listing. Firstly, this paper studies the influence of Ningxia Bank's financial product development and service innovation on the whole business development of Ningxia Bank, and further reveals the influencing factors of Ningxia Bank's financial product development and service innovation. It provides the basis for analyzing the problems in the process of financial product development and service innovation of Ningxia Bank. After studying the influencing factors in the financial product development and service innovation of Ningxia Bank, this paper analyzes the problems existing in the financial product development and service innovation of Ningxia Bank from the theoretical point of view, and puts forward the corresponding countermeasures. To eliminate the factors restricting the development of financial business of Ningxia Bank, to improve the level of financial product development and service model innovation of Ningxia Bank, and to seek the way of mutual benefit and win-win cooperation between Ningxia Bank and its customers. It has positive theoretical value and significance to promote the rapid development of Ningxia Bank and the healthy and sustainable development of our national economy.
【學位授予單位】：寧夏大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.2

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