金融产品创新方法的比较与选择

COMPARISON AND SELECTION OF FINANCIAL PRODUCT'S INNOVATION WAYS

对银行来说 ,到底采取哪一种产品创新方法比较好 ,本文利用博弈论来分析此问题 .实行模仿创新是处于劣势地位银行实现赶超目标的一种战略 ,是充分利用其后发优势的表现 .模仿创新是一种短期战略、赶超策略 ,而原始创新才是一种长期战略、可持续发展战略 .因此 ,从长远来说 ,国有商业银行只有通过原始创新 ,才能提升自己的综合竞争力 ,成为市场的领头羊 .

According to game theory, the better way between the imitation and the original innovation for banks is determined in this paper. Imitation innovation is a kind of strategy to accomplish overtaking goal, which means the weak banks take the second-mover's advantages. Imitation innovation is a short and overtaking-goal strategy, and original innovation is a long-term and sustainable development one. The state-owned banks would improve their compositive competition and become the trend leader only via original innovation.