Study On The Operation And Self-Organizing Evolution Of The Financial Innovation System In Chinese Commercial Bank

Financial innovation is the power that the commercial bank surviving and developing in the intense market competition and in the fluctuated economic environment. In view of the lag behind of the financial innovation compared to the technological innovation in commercial bank, and also the fuzzy and disorder of the management of the financial innovation, so it is necessary to construct the financial innovation system in commercial bank from the system view and to analyze the operation, development and evolution of the financial innovation system.The dissertation is divided into six parts. In the first part, it describe the macroscopic environment of the financial innovation in the commercial bank, and first briefly elaborated the commercial bank finance innovation exterior influence from the system view, further more, in the second part, taking the bank interior finance innovation operation process as the clue, the dissertation constructed the commercial bank finance innovation system, and deeply analyze its connotation, the characteristic, internal integrant part, the structure, the boundary and the function, and from the comparison research angle, it describes the general character and the difference between the domestic and foreign commercial bank finance innovation system. In the third part, the main content is the operation power mechanism of the commercial bank finance innovation system, and the he bank innovation power in the condition of the deficiency of the patent protection law. The system evolves the vicissitude unceasingly along with the time lapse, in the fourth part, using the self-organizing theory to research the self-organizing evolution process of the commercial bank finance innovation system, the dissertation make the exhaustive analysis of the evolved stage, the self-organizing, the evolved mechanism, the power and the process and so on. In the fundamental research foundation, the article further has made the real diagnosis analysis to the commercial bank finance innovation system movement, finally aimed at the system highly effective operation to propose the related microscopic strategy and the macroscopic safeguard suggestion.The innovation of the dissertation mainly manifests in four aspects. First, this dissertation proposes the concept of financial innovation system in commercial bank, which is defined as follows: In virtue of the advance in technology, the new risk share way, the new serve demand, the system vicissitude and the market opportunity and so on, commercial bank's innovators make the innovation achievement obtaining the total of the conditions, the rules, the structures, the processes and the methods which are needed in the success of the commercial activities through the split, the combination as well as the changing of the service way of the existed financial contract, and the new way of the resource disposition, and make a exhaustive elaboration to the system internal integrant part, the structure of the system. Second, in the non-perfection situation of the patent system protection, in view of the customer transformation cost existence and the innovation bank accumulated about the financial innovation product knowledge enable it to have the innovation to bring the superiority, so obtained the commercial bank customer resources, the customer loyalty, the bank internal information and the knowledge dissemination degree is affecting the bank finance innovation development. Third, using the self-organizing theory, the dissertation studies the development and evolution of the commercial bank finance innovation system, analyzes the stage which the system evolved and evolves the mechanism from the organization, and established the model analysis the power and the evolutionary process which system evolved. The fourth, . This dissertation take the internet bank as an example, through the establishing the bank non-uniformity factor and adopting the time return model, maintains the view that the property returns ratio and the non-interest income occupy proportion have the important influence to the bank decision-making. Then, according to the amount of the banks that already own the internet bank and the potential ones, this dissertation analyze the tendency of the quantity of internet banks varies with the time, after integrating the exogenous factor, through the return model, it realizes that the propagation rate of the internet bank is proportional with the market concentration degree and the internet computer, and is reverse proportional with the remaining deposit amounts and controlling degree.