资源描述：
《互联网金融环境下x银行产品创新策略-研究》由会员上传分享，免费在线阅读，更多相关内容在教育资源-天天文库。
1、西南科技大学硕士研究生学位论文第II页AbstractInternetpenetrationinthefinancialsectorhasbecomethetrend,interestratemarket,depositinsurancesystemandfinancialinstitutionstowithdrawfromthemechanismofmarketexitmechanismmakestheInternetbankinghasbecomeirreversible,Xbankingisfacingunprecedentedopportunitiesan
2、dchallenges.Lowcostsavingsorganizationdifficult,thenumberofhighqualitycustomersgraduallydecline,interestincomedeclineinassetbusiness,intermediatebusinessincomeisdifficulttogrow,themarketsharehasshrunk,thewholelineofbusinessdevelopmenthasbeenintrouble.UndertheimpactoftheInternetbanking
3、,financialproductsinnovationisanimportantissueintheimmediateneedtosolveX,ifthereisnoquality,innovative,cost-effectivenewfinancialproductsquicklylaunchedandoccupiedthemarket,tomeetmarketdemand,theXbankwillfallintoamoreseriousbusinessdevelopmentdilemma,customerresourceswillfurtherloss,f
4、urthershrinkingmarketshare.Asaresult,theXbanktoachievethedevelopmentoftheInternetintheimpactoftheenvironment,wemustimmediatelymakeadifferenceinthefinancialproductinnovationstrategy.Inthispaper,basedonthedevelopmentdirectionofXbanking,Internetbankingastheexternalenvironment,basedonalar
5、genumberofaccesstoInternetbankinginnovation,throughfieldresearchandinterviewswithexecutivesofXbank,thepaperanalyzestheshortcomingsofXbankinproductinnovation,anddrawsalotofproblems,suchasthehomogenizationoffinancialproducts,theproblemsofthethreeruralfinancialareas,andfourinnovativestra
6、tegiesforXbank'sproductinnovation.First,tospeeduptheintegrationofdiversifiedchannelsandintegration.Second,weshouldexploretheestablishmentoftheirowne-commerceplatformmode;third,toachievebusinesstransformation;fourth,toachievethetargetmarketandtargetcustomersrepositioning;fifth,toinnova
7、tetheInternetpaymentbusinessmodel;sixth,toactivelyimplementthetransformationanddevelopmentofcreditbusiness;seventh,万方数据西南科技大学硕士研究生学位论文第III页weshoulddeepentocreateaplatformforfinancialservicesmodel.Inaddition,toensuretheeffectiveimplementationofthebank'sproductinnovationandreformstrateg
8、y,Xba
