产品创新:工商银行未来发展的战略重点

Products Innovation:A Strategic Key Point of ICBC in Future Development

创新是企业发展的命脉。不断创新金融产品,既是银行应对市场与客户需求变化、改善业务结构、提高整体竞争能力的需要,也是适应金融业综合经营趋势的必然要求。本文是作者赴上海、云南等地广泛调研后的工作报告,报告分析了工行金融产品创新的现状与存在的问题,并就工行金融产品创新机制的健全与完善提出了思考和建议,具有一定的参考价值。

Innovation plays a vital role in the development of an enterprise.It is not only necessary for the banks to cope with the changing demands of market and customers,improve business structure and enhance overall competitiveness,but also to accommodate to the trend of comprehensive operation.This report comes out after the authors’extensive investigation in the city of Shanghai and Yunnan province.The authors have made a thorough analysis on current situation and problems in terms of financial products innovation of ICBC and give their thoughts and suggestions to improve the products innovation mechanism of ICBC.