R & D Management M Commercial Banking Products

The bank is an important part of the financial industry, commercial bank’s aim is to obtain the operating profit, and the main functions of the state policy banks of different is to take the initiative in the competition, product development is an important part of every commercial bank market activities, from the project to assess, test to production, obtained the customer feedback and upgrade products, each product’s life cycle are strict in product planning scheme, the main source of business bank loan from the difference into the intermediate business income competition, means relying on the traditional national unity undifferentiated control era has ended, with the constant development of information technology today, the banking industry and even the entire financial industry in intra industry competition at the same time also ushered in the Union competition in the industry, how to maintain the continuity of their business growth became the subject of debate in the situation of Internet finance put up a pageantry.This paper from the bank to the first product, based on theoretical analysis, find out the applicable industry characteristics, management theory and development theory, according to the guiding role of theory in this paper, the research object, conjunction will be with the direction and, in the analysis of traditional banking products from birth to the process of elimination, summed up a series of rules, combined with the trend the development of history, in the traditional bank product competition has presented the red sea industry conditions, the use of relevant theoretical guidance, combined with the characteristics of the industry, advancing with the times, carry on business mode of reflection according to the now popular Internet thinking, to the birth of a new on-line perspective research based on mobile phone banking products, expounds the growth process of a banking products, the use of bank product development model, analyzes the role of information platform for banks in the course of product development, professional guidance research institutions, marketing mode coupled with traditional store channels on the bank, the perfect information system to collect customer feedback use, will all dynamic factors in full, according to the logic relations of the factors in the model, clear structure relationship, looking for the point of application of force, in the implementation process of the project to do a detailed plan, In the implementation process and trial and error correction, even if the adjustment of strategy and evaluation weight, play an important role in the various elements of the. In the model and under the guidance of the theory, the actual case of product development and implementation, in the implementation process, using the international advanced consulting mechanism of evaluation, the local management team statistics, the outstanding product design team, the implementation of technical personnel detailed, real-time update system version error correction process, and have rich experience in marketing sales team, in high-rise support, create a M bank fist product "mobile phone bank 2", and successfully promoted to the market. This paper uses the related theory analysis, case analysis, product life cycle research, and provides a solution for the development process of commercial bank products.