Study On Innovation Of Personal Financing Product For CMBC Dalian Branch

Product innovation is one of boost up competition means in the commercial bank. New products are the key of bank development and profit augment. Idea of product innovation of the commercial bank is incarnated in development process of personal financing product. Along with selling like hot cakes personal financing product, its abuse of product innovation in repetition constructing, essential consistency, lack collectivity layout, slow innovation speed and low ability is increasingly appear.The article newly circles the meanings of the finance innovation and the personal financing product innovation of the commercial bank. Bases on the methods, such as the causes of financial innovation and the analysis of other product innovation methods, the dissertation brings forward the reasons and infection of personal financing products innovation of commercial banks in china. These make the foundation for the research on personal financing product of the commercial bank innovation management.The dissertation bases on the situation of personal financing product innovation of CMBC Dalian branch on management frame faultiness, professional scarcity, risk control ability lag and technology development slowness.It analyzes problem of personal financing product innovation of CMBC Dalian branch in innovation ability, market operation, risk control and coalition management.It brings forward the overall strategy and measure on personal financing product innovation of CMBC Dalian branch. These offer gist and reference for personal financing product innovation of the commercial bank.The article introduces the methods of modularity management, internal marketing, CRM, flow reforger and product standardization. It optimize management on personal financing product innovation of the commercial bank. By quickening technology constructing, strengthening risk consciousness education, attention risk of derivatives products, pectination system of product management and innovating mode of product management, it tries hard to construct a solid structure of personal financing product innovation for CMBC Dalian branch.