JS银行金融产品创新研究

发布时间：2018-01-07 01:03

本文关键词：JS银行金融产品创新研究　出处：《华中科技大学》2015年硕士论文　论文类型：学位论文

【摘要】：2014年,随着我国银监会正式批准深圳前海微众银行、温州民商银行以及天津金城银行三家民营银行的筹建申请,银行业市场化取得了新的突破。同时随着互联网金融产品的兴起,传统的城市商业银行及股份制银行将面临更激烈的竞争环境,由于其金融产品同质化严重、内部创新机制不合理,已经越来越不能满足客户的需要,如何进行金融产品创新以占据市场制高点将是各银行迫切需要研究的问题。本文选取了JS银行为样本,通过问卷调查法、访谈法、比较研究法、文献研究法对现有金融产品创新状况进行调查,发现其在金融产品创新上存在的一系列问题,并分析这些问题产生的根本原因,最后提出切实可行的创新方案。研究得出:JS银行应建立健全内部创新机制;关注技术与人才,优化金融产品结构;了解金融需求,提高金融产品的原创性;改善市场营销的方式并对外部资源进行整合。本文创新性地将JS银行金融产品研究与互联网金融产品等相比较,更具时代意义。
[Abstract]:In 2014, with the approval of China Banking Regulatory Commission Shenzhen Qianhai WeBank, Wenzhou Bank of Civil and Commercial and Tianjin Jincheng Bank of three private banks to prepare for the application. At the same time, with the rise of Internet financial products, the traditional city commercial banks and joint-stock banks will face a more fierce competition environment, because of the homogeneity of their financial products. The internal innovation mechanism is unreasonable and has become increasingly unable to meet the needs of customers. How to innovate financial products in order to occupy the commanding height of the market will be an urgent issue for banks to study. This paper selects JS bank as a sample, through questionnaire, interview, comparative research method. Literature research method of the existing financial product innovation investigation, found its financial product innovation in a series of problems, and analyze the root causes of these problems. Finally, a feasible innovation scheme is put forward. The conclusion is that: JS Bank should establish and perfect the internal innovation mechanism; Pay attention to technology and talents, optimize the structure of financial products; Understand the financial needs, improve the originality of financial products; This paper innovatively compares the research of JS bank financial products with that of Internet financial products.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2

【相似文献】