商业银行金融产品创新现状与对策教程.doc

商业银行金融产品创新现状与对策 [摘要] 当前,想要提高商业银行的竞争力，主要的市场手段就是进行银行金融产品创新，在激烈的竞争中，创新是满足客户需要的法宝。近三年商业银行各类创新产品屡见不鲜，交行e动交行、招行空中银行及中信POS商户网贷等，这些产品突破了时间和空间的限制，是未来的发展趋势。本文从商业银行的现状入手，研究了商业银行金融产品创新的发展情况。商业银行都想通过新产品吸引更多的客户资源，金融产品创新是商业银行增强竞争力的关键，开展产品创新则需要商业银行内部及政府监管机构合力完成。合力实施的主要前提就是加强银行的风险防控和控制监管体系的创新，在行业内制定政策、法律法规，敦促行业加强创新意识。根据商业银行创新产品现状和特点，综合研究了商业银行创新产品的策略，与此同时银行内部也要建立有效的创新机制和产品审核系统，做好客户调查，了解市场需求，根据市场定位调整战略规划。监管部门需要完善风险管理机制，根据金融市场的不同阶段适时调整法律法规，为商业银行提供一个自由和公平的市场环境。 [关键词] 商业银行 金融产品创新 对策 Commercial bank financial products innovation present situation and the countermeasures [abstract] at present, want to improve the competitiveness of commercial Banks, the main is for bank financial products innovation market means, in the fierce competition, innovation is the key to meet customer needs.?Commercial Banks of various innovative products nearly three years, become bank, China merchants bank and cities POS air merchants net loan, etc., these products broke through the limit of time and space, is the development trend of the future. This article starts with the current situation of commercial Banks, the commercial bank financial products, the development of innovation. Commercial Banks want to through the new products to attract more customer resource, the financial product innovation is the key to commercial Banks to enhance competitiveness, to carry out product innovation requires commercial Banks internal and government regulators. The implementation of the major premise is to strengthen bank risk prevention and control and control regulatory system of innovation, industry policy, laws and regulations, urged the industry to strengthen innovation consciousness. According to the present situation and characteristics of the commercial Banks innovation product innovation strategy, comprehensive study of the commercial Banks at the same time within Banks also want to establish an effective mechanism of innovation and product audit system, completes the customer survey, understand the market de