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1、北方民族大學(xué)學(xué)士學(xué)位論文論文題目:產(chǎn)品創(chuàng)新與商業(yè)銀行發(fā)展的研究院(部)名稱(chēng):經(jīng)濟(jì)學(xué)院學(xué)生姓名:馬瑞鋒專(zhuān)業(yè):金融學(xué)學(xué)號(hào):20110970指導(dǎo)教師姓名:王清論文提交時(shí)間:論文答辯時(shí)間:學(xué)位授予時(shí)間:北方民族大學(xué)教務(wù)處制產(chǎn)品創(chuàng)新與商業(yè)銀行發(fā)展的研究馬瑞鋒（北方民族大學(xué)經(jīng)濟(jì)學(xué)院寧夏銀川750021）摘要產(chǎn)品創(chuàng)新是商業(yè)銀行提高核心競(jìng)爭(zhēng)力的重要手段，我國(guó)商業(yè)銀行要在激烈的競(jìng)爭(zhēng)中謀求發(fā)展，就要加快金融產(chǎn)品創(chuàng)新的步伐。然而我國(guó)商業(yè)銀行在產(chǎn)品創(chuàng)新方面存在重復(fù)建設(shè)、創(chuàng)新速度慢、產(chǎn)品創(chuàng)新管理不到位等問(wèn)題亟待改進(jìn)。在挑戰(zhàn)面前，我國(guó)商業(yè)銀行只有把產(chǎn)品創(chuàng)新當(dāng)做事業(yè)發(fā)展的靈魂
2、，不斷的進(jìn)行產(chǎn)品創(chuàng)新才能在激烈的競(jìng)爭(zhēng)中立于不敗之地。如何加快產(chǎn)品創(chuàng)新，進(jìn)一步提高和鞏固商業(yè)銀行現(xiàn)有的產(chǎn)品核心競(jìng)爭(zhēng)力，已成為我國(guó)商業(yè)銀行發(fā)展面臨的重要問(wèn)題。本文主要從我國(guó)商業(yè)銀行金融產(chǎn)品創(chuàng)新的現(xiàn)狀及存在的問(wèn)題入手，分析商業(yè)銀行產(chǎn)品創(chuàng)新的的動(dòng)因，闡述我國(guó)商業(yè)銀行產(chǎn)品創(chuàng)新的現(xiàn)狀、問(wèn)題，對(duì)比中外銀行產(chǎn)品創(chuàng)新機(jī)制的差異，并在此基礎(chǔ)上深入探討我國(guó)商業(yè)銀行產(chǎn)品創(chuàng)新的趨勢(shì)。[關(guān)鍵詞]：商業(yè)銀行產(chǎn)品創(chuàng)新趨勢(shì)對(duì)策ProductinnovationandtheresearchofthedevelopmentofthecommercialBanks馬瑞鋒Schoolof
3、Business,TheSecondNorthwestUniversityforNationalities,Yinchuan750021,ChinaABSTRACTProductinnovationistheimportantmeanstoimprovethecorecompetitivenessofcommercialBanks,commercialBanksinChinatoseekdevelopmentinthefiercecompetition,toacceleratethepaceoffinancialproductsinnovatio
4、n.However,productinnovationincommercialBanksexistredundantconstruction,slowspeedofinnovation,productinnovationmanagementdoesnotreachthedesignatedpositionandotherissuesneedtobeimproved.Inthefaceofchallenge,ourcountrycommercialbankonlytoproductinnovationasthesoulofenterprisedev
5、elopment,continuousproductinnovationcanbeinanimpregnablepositioninthefiercecompetition.Howtoaccelerateproductinnovation,furtherimproveandconsolidatetheexistingcommercialBankscorecompetitivenessofproducts,hasbecomeanimportantproblemfacingourcountrycommercialbank'sdevelopment.T
6、hisarticlemainlyfromthepresentsituationofourcountrycommercialbankfinancialproductsinnovationandtheexistingproblems,analyzethereasonofproductinnovationofcommercialbank,elaboratedourcountrycommercialbankproductinnovationpresentsituation,problem,comparethedifferencesofChineseand
7、foreignbankingproductsinnovationmechanism,andonthisbasisfurtherdiscussthetrendofourcountrycommercialbankproductinnovation.[Keywords]：eommereialbankProductinnovatioeountermeasure目錄一、導(dǎo)論（一）研究的背景和目的(二)國(guó)內(nèi)外文獻(xiàn)綜述（三）研究方法二、銀行產(chǎn)品創(chuàng)新的動(dòng)因分析(一)根本動(dòng)因:追逐利潤(rùn)(二)規(guī)避金融管制(三)轉(zhuǎn)嫁風(fēng)險(xiǎn)和高科技的應(yīng)用三、產(chǎn)品創(chuàng)新與我國(guó)商業(yè)銀行發(fā)展（一
8、）產(chǎn)品創(chuàng)新是我國(guó)商業(yè)銀行發(fā)展的重要推動(dòng)力（二）我國(guó)商業(yè)銀行產(chǎn)品創(chuàng)新現(xiàn)狀分析（三）我國(guó)商業(yè)銀行產(chǎn)品創(chuàng)新存在的問(wèn)題（四）我國(guó)商業(yè)銀行金融產(chǎn)品
