Small And Medium Commercial Bank Financial Products Innovative Research

With the development of market economy, China’s economic structure has undergone significant changes, the rapid development of SMEs and financial services for financial support but also raised new demands. Small and medium commercial banks as an important supplement to promote healthy development of China’s national economy, the development of her establishment, to some extent, to fill the gaps exist in the financial markets, better meet the financing needs of small and medium enterprises and residents.In recent years, the domestic small and medium commercial banks mushroomed established and flourished, however, the total economy of this big cake is limited, increasing competition will inevitably lead to insufficient strength difficult for healthy and sustainable development to gain a foothold in today’s rapidly changing market trend, Small and medium commercial banks should strengthen their good management, good financial product innovation, into the blue ocean for their own development, but also the only way to finance the increasingly fierce competitive environment, a stable and sustainable development. To survive in today’s rapidly changing market trend, good innovative financial products have become the only way for the future development of small and medium commercial banks.Today both international and domestic financial environment has undergone major changes in consumer and business demand is undergoing rapid changes, traditional financial products can not meet the needs of individuals and businesses under the current circumstances, the needs of the entire community for financial products have become increasingly sophisticated and specialized, financial products are gradually transition personalized and private from the traditional mass.Through the discussion of the cultural and creative A bank credit products, introduces the cultural and creative lending bank A product of the research and development process, analyzes the problems it encountered in the development process and solution ideas, share their cultural and creative in many areas achievements, hope to provide some reference in the beleaguered competitive environment for small and medium commercial banks to make product innovation strategy research in the competition, formed a unique advantage, to play a valuable role.Theoretical basis of this study is the small commercial bank financial product innovation strategy. The main research method Citations law, case study method. Based on the theoretical study of small and medium commercial bank financial product innovation strategy, combined with the cultural and creative A bank lending products to be analyzed and discussed.