Optimination Of Guangdong Banking And Credit Center's Product Development Management

Daily banking business operation and management need the support of financial information technology,especially the advanced middle and background system.There are some problems existing in the rural cooperative institutions with single legal person,such as lacking centralized technology force and technology innovative ability,and being unable to afford the huge cost of information construction.In order to solve these problems,in January2007,Guangdong Provincial Association officially launched the data centralization project of all rural cooperative institutions.At the end of December of 2009,Guangdong Provincial Association combined several departments with service functions in Clearing center,and established Guangdong Banking and Credit Center,officially handing over the operation and management of data centralization project to Bank and Credit Center,which gradually became the development and security base for the middle and background system of rural cooperative institutions in Guangdong Province.After nearly 7 years of rapid development,Banking and Credit Center has developed a large number of middle and background systems for Guangdong rural cooperative institutions,greatly improved their management level and market competitiveness.However,in recent years,the rapid development of internet banking has changed people's reliability on the traditional service mode of banking institutions,making a lot of small and medium banks,especially the rural cooperative institutions facing the fate of being integrated or even eliminated.Under this circumstance,each rural cooperative institution put forward higher requirements for the development efficiency and pertinence of the middle and background system products that are developed by the Band and Credit Center.Therefore,studies aiming at Guangdong Banking and Credit Center's product development management optimization is urgent and necessary.The main content of this paper is regarding the product development and management of Guangdong Banking and Credit Center.Firstly,this paper through the review of relevant theories lay the solid theoretical basis for the optimization of management,and provides reference methodology to carry out management optimization.After field research and interviews,it analyzes the current situation of the product development management of Guangdong Banking and Credit Center and points out the existing problems;Then it deeplyanalyzes the root causes of the current existing problems;with reference to the successful models of product development and management of counterparts,it puts forward detailed optimization measures;at last,on the basis of the above-mentioned content,it concludes the referential significance and inspiration of improving product development management in counterparts.