中行黑龙江省分行金融产品创新研究
发布时间：2018-09-19 16:36
【摘要】：自20世纪80年代以来，经济全球化的发展，促使国际资本流动性不断加大，金融自由化和宽松的经济环境推动着金融全球化日益广泛，而各国金融管制的放松使得银行业竞争更加激烈。作为国际经济发展过程中起着重要作用的金融市场，其蓬勃发展的基础是金融创新，而金融创新的基础又是金融产品的创新。金融创新蓬勃兴起和快速发展，提高了金融市场的效率，增强了金融对经济的推动力和渗透力，，金融发展空间不断拓展，金融创新由此而成为金融发展和经济发展的重要动力之源。 本文着重于对黑龙江中行近年来金融产品创新和发展的分析研究，通过介绍中国商业银行金融产品创新的现状，并以中国银行股份有限公司黑龙江省分行近10年来创新产品的发展历程和现状为例，分析了存在的问题、存在的原因和影响产品创新业务发展的因素。并通过引入商业银行金融产品创新演化模型，并对其创新模式的发展进行数理推导和分析，为中国银行黑龙江省分行的金融创新模式的研究提供了理论基础和新的切入点，找出问题的实质原因所在，提出对黑龙江中行产品创新和发展的建议和对策。旨在提高其金融产品的不断创新发展的能力，保证产品的可持续发展。
[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.
【学位授予单位】：哈尔滨工程大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33
本文编号：2250707
[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.
【学位授予单位】：哈尔滨工程大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33
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