科学决策
科學決策
과학결책
Scientific Decision-Making
2010年
2期
42~49
,共null页
商业银行 产品创新 约束因素 对策研究
商業銀行 產品創新 約束因素 對策研究
상업은행 산품창신 약속인소 대책연구
commercial banks; product innovation; conditional factors; countermeasures
产品创新是商业银行增强核心竞争力的重要手段,日益受到银行业和学术界的广泛关注。然而,我国商业银行在面对激烈的竞争时,除了体制和社会环境的影响外,产品创新同质化、创新速度慢、整合度不高等问题已日发显现。本文力图从产品创新的现有问题出发,通过制约因素的剖析,把握各个问题产生的原因,以此提出提高产品创新水平的相关对策。
產品創新是商業銀行增彊覈心競爭力的重要手段,日益受到銀行業和學術界的廣汎關註。然而,我國商業銀行在麵對激烈的競爭時,除瞭體製和社會環境的影響外,產品創新同質化、創新速度慢、整閤度不高等問題已日髮顯現。本文力圖從產品創新的現有問題齣髮,通過製約因素的剖析,把握各箇問題產生的原因,以此提齣提高產品創新水平的相關對策。
산품창신시상업은행증강핵심경쟁력적중요수단,일익수도은행업화학술계적엄범관주。연이,아국상업은행재면대격렬적경쟁시,제료체제화사회배경적영향외,산품창신동질화、창신속도만、정합도불고등문제이일발현현。본문력도종산품창신적현유문제출발,통과제약인소적부석,파악각개문제산생적원인,이차제출제고산품창신수평적상관대책。
Product innovation is an important means to enhance core competitiveness for commercial banks,which gets ever-in-creasing attentions of commercial banks and academics. However,in the face of intense competition,china＇s commercial banks are not only restricted by institutional and social environments,but also take on some problems obviously as followed： homogenization of product innovation,slow innovation,little integration. Based on the present problems of product innovation,this article attempt to analyze all conditional factors,grasp the causes of the various issues so as to put forward several countermeasures accelerating product innovation.
