Research On Product Innovation Of Commercial Bank Based On Information Technology

The 11th five-year plan guidelines pointed out that China's banking industry should vigorously strengthen the financial innovations based on information technology, improving product innovation capabilities.Financial innovation is the financial industry as a result of which the major changes in the financial environment break the original balance of reform. Innovation has become the foundation of modern international financial competition, only to the Chinese banking center for the development of innovative strategies in order to obtain sustainable development. Innovative banking products for financial innovation active component, which is to provide comprehensive financial services and to maintain vitality, fast, efficient service based commercial bank competition is hot and key. IT innovation in the banking products have an extremely important position, not only provided technical support for product innovation, product innovation and more banks widened the space. Financial innovation and IT are not IT as a support, a large number of new business applications and universal banks is impossible. However, how to make full use of information technology for innovative banking products, the current research less.This article is from the IT perspective, in financial innovation and banking information theoretical support, in connection with their work practices, analyze it innovation in banking services content, improve service quality, great role, focusing on the study of how to make full use of information technology for innovative banking products, and to propose concrete measures.This paper develops like follows: Firstly, analysis of financial innovation theory, summarized the contents of banking products and innovative features, analysis of the dynamics of our innovative banking products. Then introduced the theory of financial information, analysis of IT and its application in the development of the banking and the role. Next analysis of the banking IT background and the current development of innovative features. Bank focused IT strategy with the deployment of innovative products, and product innovation by banks IT strategy deployment models and integrated deployment programme. Concluded the use of information technology for innovative banking products to the specific measures in case analysis statement.The greatest focus and innovations are in (1) Analysis of the banks IT strategy and...