商业银行新产品的隐性需求研究

随着金融业的发展，需求研究对银行经营管理的意义变得越来越重要。本文以动态研究社会需求数量变化为基础，引入银行服务的需求周期曲线和银行产品的需求周期曲线。通过分析银行所面对的社会隐性需求和显性需求，说明在显性需求更多地导致同质市场的情况下，隐性需求对银行新产品开发的重要意义。同时，本文从需求周期的阶段性、需求周期曲线簇和银行产品的需求周期曲线三个方面来论述如何有效地开发和利用隐性需求为银行新产品开发服务。

Implicit Demand for New Products of Commercial Banks

With the development of finance;demand study becomes more and more important to the operation and management of banks. This paper dynamically looks into the change in social demand, using demand cycle curves of banking service and products. By analyzing implicit and explicit social dernands faced by banks, the paper states that implicit demand plays a vital role in banking products innovation, while explicit demand will often lead to a more homogeneous market. At the same time,diseussion is directed from three angles--stage features of demand cycle, demand cycle curve beam,and demand cycle curve of bank products to realize effective exploitation and utilization of implicit demand for new products.