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1、AsianSocialScienceVol.6,No.6;June2010ResearchonPersonalFinancialProductInnovationinCommercialBanksofChinaMengchunDing&JingXiaoSchoolofEconomicsandManagement,ChangchunUniversityofScienceandTechnologyChangchun130022,ChinaE-mail:zcl050506@163.comAbstractInrecentyears,thanksforstableeconomicdevel
2、opmentinChina,theresidentshavegrowingdemandforfinancingservicesbecauseoftherapidgrowthoftheirfinancialassets.Atthesametime,bankshaveinnovatedtheirfinancialproductsandservicesgreatly.Intheglobalfinancialcrisis,financialservicemarketsinChinaalsosufferedagreattest,whichraisesthesignificanceofres
3、earchonfinancialproductinnovationincommercialbanksofChina.ThisarticledescribestheoverviewofpersonalfinancialproductsincommercialbanksofChina;givesanalysisofthecharacteristicsofproductinnovation;pointsouttheprobleminproductinnovationthroughacomparisonwithforeignfinancialproductsandputforwardco
4、untermeasuresforareferenceindomesticfinancialproductinnovationanddevelopment.Keywords:Commercialbank,Financialproduct,InnovationInrecentyears,personalfinancialserviceshaveenjoyedcontinualnationalfame.Thetotalsalesofnationalpersonalfinanceproductsareabout200billionYuanRMBin2005,upto4,000billio
5、nYuanRMBin2006,andthenrocketstoonetrillionYuanin2007.Accordingtothestatistics,Chinesecommercialbankshadlaunched2404kindsofpersonalfinancialproductsinfull-yearof2007,thenumberofwhichreachingto3664in2008;anditwasfollowedbythetotalsalesamountof1.5trillionyuanRMBin2009.Thus,therapiddevelopmentofd
6、omesticfinancialproductsgivessignificancetoinnovativeresearchonfinancialproductsinourcommercialbanks.1.OverviewofFinancialProductsinCommercialBanksofChina1.1ConceptofFinancialProductChinaBankingRegulatoryCommissiondefined"FinancialBusiness"asthecommercialbankstoprovidecustomerswithfinancialan
7、alysis,financialplanning,investmentadvisers,assetsmanagementandotherprofessionalservices.Financialbusinessincommercialbankisdividedintofinancialconsultancyservicesandsyntheticfinancialservicesaccordingtothedifferentstyleofmanagementandoperati
