模块化管理是商业银行金融产品创新管理模式

金融产品传统的一体化创新模式存在开发周期长、创新过程不易重复等弊端,极大地浪费了产品创新的有限资源,不能敏捷满足客户的全方位个性化需求,无力应对激烈的市场竞争。引入模块化理论,分析其在银行金融产品创新中的适应性,是商业银行金融产品的创新管理模式。

Modularized Management for Financial Product Innovation in Commercial Banks

The innovation mode of traditional financial products contains many problems,such as long development period and unrepeatable process.This wastes a great deal of limited resources in commercial banks.The mode cannot agilely satisfy the individual needs so as not to face the severity of competition.This paper introduces the theory of modularity,analyzes its adaptability in commercial banks,and demonstrates the modularization is the management mode of product innovation in the commercial banks.