普惠金融发展中的商业银行产品创新问题分析

Analysis of the Product Innovation of Commercial Banks in the Development of Inclusive Finance

为实现普惠金融的商业可持续发展,需要创新研发有针对性的金融产品。在发展普惠金融的过程中,商业银行需要做好产品创新以扩大业务种类、丰富服务渠道、扩充服务客户、提升服务水平,最终提高竞争实力。在具体做好产品创新发展普惠金融的过程中,商业银行需要认真分析客户需求,提高产品创新的针对性,充分借助互联网金融渠道,积极做好与外部机构合作,全面做好风险管理。

For the sustainable development of inclusive finance,the commercial banks should create more targeted financial products. In the development of inclusive finance, the commercial banks need to expand the business types,enrich the service channels,expand the customers,improve the service level and ultimately raise the competitiveness in product innovation. The commercial banks should carefully analyze the customers＇ needs to make the product innovation more targeted,make full use of the online financial channels,actively carry out cooperation with external agencies and well manage the risks.