商业银行金融产品创新问题研究

基于商业银行金融产品创新方面的问题,提出对应的建议。首先介绍了我国商业银行金融产品创新的发展历程和发展现状,使商业银行对自身有清楚的认识;其次重点阐述了金融产品创新过程中所存在的问题,主要集中在创新程度、市场定位、创新体系建设和创新风险意识等方面;最后针对前文提到的问题,结合商业银行自身的状况,提出了促进商业银行金融产品创新发展的对策建议。

Study on the Problem of the Commerical Bank Financial Products Innovation

Based on commercial bank financial products innovation problems, put forward the corresponding Suggestions. The first describes the history and development status of China's commercial banks to finance the development of product innovation, so that commercial banks have a clear understanding for themselves. Second, the process of financial innovation problems are mainly focused on the degree of innovation, market positioning, innovation system and innovation risk awareness and so on. Finally, we put forward to countermeasures and suggestions to promote the innovation development of commercial banks financial products.