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《商業(yè)銀行金融產(chǎn)品創(chuàng)新的現(xiàn)狀、問題與對策研究_以招商銀行為例》由會員上傳分享，免費(fèi)在線閱讀，更多相關(guān)內(nèi)容在工程資料-天天文庫。
1、word格式整理版商業(yè)銀行金融產(chǎn)品創(chuàng)新的現(xiàn)狀、問題及對策研究——以招商銀行為例摘要在經(jīng)濟(jì)的全球化和網(wǎng)絡(luò)化與金融市場的自由化背景下,特別是在中國加入WTO后,外國的銀行進(jìn)入使銀行業(yè)的競爭越來越激烈。我國對產(chǎn)業(yè)自主創(chuàng)新的重視和各種因素引發(fā)的金融危機(jī),使我國商業(yè)銀行只有創(chuàng)新,不斷提高商業(yè)金融產(chǎn)品創(chuàng)新能力,降低風(fēng)險,才能在越來越開放的金融市場上立足和不斷發(fā)展,才能位于不敗之地，才能長遠(yuǎn)的發(fā)展。本文先梳理商業(yè)銀行金融產(chǎn)品創(chuàng)新相關(guān)理論知識,然后介紹商業(yè)銀行金融產(chǎn)品創(chuàng)新的原因，并總結(jié)商業(yè)銀行金融產(chǎn)品創(chuàng)新的內(nèi)容、特點(diǎn)和存在的問題。在利率和匯率市場化進(jìn)程不斷加快的基礎(chǔ)下,居民收入水
2、平不斷提高,銀行金融產(chǎn)品缺乏針對性，層次較低等商業(yè)銀行金融產(chǎn)品創(chuàng)新現(xiàn)狀,以招商銀行為案例,具體分析我國商業(yè)銀行金融產(chǎn)品創(chuàng)新。在分析國內(nèi)外經(jīng)濟(jì)金融環(huán)境的前提下,本文從政府及企業(yè)內(nèi)部的角度提出了提升我國銀行業(yè)金融產(chǎn)品創(chuàng)新的具體對策。關(guān)鍵詞：商業(yè)銀行金融產(chǎn)品創(chuàng)新對策學(xué)習(xí)參考word格式整理版ABSTRACTIneconomicglobalizationandnetworkandfinancialmarketliberalizationbackground,especiallyafterChina'saccessiontotheWTO,foreignbankstoente
3、rtheChina'scommercialbankingindustrycompetitionisbecomingmoreandmoreintense.Thefinancialcrisisinourcountryforindependentinnovationinindustryattentionandtriggeredbyvariousfactors,China'scommercialbanksonlyinnovation,continuousimprovementofbusinessfinancialproductinnovationability,reduc
4、etherisk,caninanincreasinglyopenfinancialmarketfootholdanddevelopment,canbeinaninvincibleposition,tothelong-termdevelopment.ThispaperfirstsortandJaneShaocommercialbankfinancialproductsinnovationrelatedtheoreticalknowledgeandfinancialproductinnovationofcommercialbanksinJaneShaoreason.A
5、ndsummarizesthecontentofthefinancialproductinnovationofcommercialbanks,thecharacteristicsandtheexistingproblems.Underthefoundationofinterestrateandexchangeratemarketprocesscontinuestoaccelerate,theincomeofresidentshasimprovedcontinuously,bankfinancialproductslackofpertinence,lowlevelo
6、fcommercialbank'sfinancialproductinnovationnowlike,ChinaMerchantsbankasanexample,makeaconcreteanalysisoffinancialproductinnovationofcommercialbanksinourcountry.Underthepremiseoftheanalysisofthedomesticandinternationaleconomicandfinancialenvironment,thispaperfromthepointofviewofthegove
7、rnmentandtheenterpriseinternalisproposedtoenhancetheconcretemeasuresofourcountrybankingfinancialproductinnovation,including:setupthe"takethecustomerasthecenter"concept,createafavorableexternalenvironment,paygreatattentiontothetalentsCulture,optimizeindustrialinnovationmechanism,improv
8、ethel
