商业银行个人理财产品创新探析-以民生银行理财产品为例.docVIP

PAGE 9 摘 要 在21世纪的经济全球化浪潮中，金融全球化是支持经济全球化的一个重要力量，为我国商业银行的迅速发展提供了有利的外部环境和机会。金融产品的发展迅速，出现了各种类型的创新产品，并已成为增长和发展商业银行利润的关键。但是从民生银行的个人理财产品创新来看，还存在创新管理架构不完善、创新专业人才短缺、产品创新设计能力不足和技术创新支持不足等问题，尤其是在当今理财市场产品同质化现象严重、市场竞争激烈的压力下，找到并解决民生银行的个人理财产品创新问题是十分必要的。本文在研究我国民生银行个人理财产品创新所面临的困境后，提出了相应的解决对策：创新个人理财产品的管理模式、加快高水平产品创新管理人才的培养与引进、加强产品创新的开发设计能力、引入个人理财产品创新开发的辅助手段。希望本课题的研究成果能够为解决我国民生银行个人理财产品创新问题提供参考。 关键词：民生银行 个人理财产品 创新 ABSTRACT In the wave of economic globalization in the 21st century, financial globalization is an important force to support economic globalization, which provides favorable external environment and opportunities for the rapid development of Chinas commercial banks. With the rapid development of financial products, various types of innovative products have emerged and become the key to the growth and development of commercial banks profits. However, from the perspective of personal financial product innovation of Minsheng Bank, there are still some problems such as imperfect innovation management structure, lack of innovative professionals, lack of product innovation design ability and lack of technical innovation support. Especially under the pressure of serious product homogeneity and fierce market competition in todays financial market, to find and solve the problem of personal financial product innovation of Minsheng Bank is as follows: It is necessary. After studying the difficulties faced by the innovation of personal financial products of Chinas Minsheng Bank, this paper puts forward the corresponding solutions: Innovating the management mode of personal financial products, accelerating the cultivation and introduction of high-level product innovation management talents, strengthening the development and design ability of product innovation, and introducing the auxiliary means of innovation and development of personal financial products. I hope that the research results of this topic can provide reference for solving the problem of personal financial product innovat