金融创新产品开发流程研究-企业管理专业论文.docxVIP

Research Research on Finance Innovational Product Development Process Abstract With China’s entering to the WTO、financial 1iberalization and globalization of financial markets， competitions among financial institutions were increasing，SO it was important to design and develop new financial products which could improve their competitive ability． How to develop the financial products successfully had become the fashionable issue in the financial industry． In the background，the paper chose to research the issue of financial innovational products development． FirstlY， we conducted a questionnaire survey in the aspect of financial innovational products development activities and turned to some financial institutions in Anhui Province．In the base of the analysiS of data from some financial instirutions in Anhui，we simulated new financial products development process used by the financial institutions currently．After analyzing the whole process，we found problems and shortcomings existing in the financial innovational products development process：Secondly we used Stage-Gate Systems(SGS)which iS the new financial product development process being successful implemented in some of the foreign financial institutions for reference，and improved the relativelY ineffiCient financial innovational product development process USing in Anhui Province currently：Finally，we brang personal housing mortgage—backed securities(MBS)into improved financial innovation product development processes to display rationality and validity of the improved product development process more clearly． Key words：financial innovations on products：products development process：Stage—Gate System：personal housing mortgage—backed securities． Ⅳ 表格清单表2．1按内容层次划分的金融创新产品体系 表格清单 表2．1按内容层次划分的金融创新产品体系 5 表2．2投资者角度的金融创新产品分类 ．，． ．7 表2-3金融创新产品开发的步骤说明 ．“ 表3-1基于模糊综合评判模型的指标体系结构、权重数据表 ．．13 表4．1产品开发效率衡量指标 ．．29 表4．2流程应用效果衡量指标 ～ 。29 插图清单图3-1我省金融机构目前常用流程图 插图清单 图3-1我省金融机构目前常用流程图 ．．18 图4-1门径管理流程框架模型 20 图4．2改进后的流程图 ．．30 图5-1资产证券化