商业银行产品创新的思路与策略——基于科学发展观和五大发展理念视角

发布时间：2019-01-28 09:38

【摘要】：产品创新对商业银行核心竞争力的提升至关重要。当前,我国商业银行产品创新存在着创新程度较低、组织结构不完善、创新氛围不浓厚、风险控制不足等诸多问题。要以科学发展观和五大发展理念为指引,推动商业银行开展产品创新。具体来说,商业银行产品创新要以发展为前提,提升银行竞争力,实现可持续发展;要做到以人为本,抓住客户、客户经理、产品经理三个关键"人"的因素,这是做好产品创新的前提和保障;要注重可持续性,立足长远,不能只顾眼前利益,同时要增强产品创新的专利保护意识;要做到统筹兼顾,协同推进负债业务、资产业务和中间业务的产品创新,兼顾产品创新的风险和收益;要坚持绿色理念,加快有助于低碳环保的产品创新,将绿色发展的要求融入产品创新流程。
[Abstract]:Product innovation plays an important role in enhancing the core competitiveness of commercial banks. At present, there are many problems in the product innovation of commercial banks in China, such as low degree of innovation, imperfect organizational structure, weak atmosphere of innovation, insufficient risk control and so on. Under the guidance of the scientific development concept and the five development concepts, commercial banks should be promoted to carry out product innovation. Specifically, the commercial bank product innovation should take the development as the premise, enhances the bank competition ability, realizes the sustainable development; To be people-oriented, to grasp the customer, account manager, product manager three key "people" factors, which is the premise and guarantee of product innovation; We should pay attention to sustainability, base on the long term, not only focus on immediate interests, but also enhance the awareness of patent protection of product innovation; It is necessary to make overall plans and cooperate to promote product innovation in debt business, asset business and intermediate business, as well as the risks and benefits of product innovation; We should adhere to the green idea, accelerate the product innovation which is conducive to low carbon environmental protection, and integrate the requirements of green development into the product innovation process.
【作者单位】：中国建设银行陕西省分行;
【分类号】：F832.2

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