The Research Of Financial Products Innovation For JS Bank

In 2014, along with the China banking regulatory commission approval before Shenzhen Sea Micro Banks, Civil and Commercial Banks in Wenzhou, Tianjin Jincheng Bank planning application, the banking market has achieved a new breakthrough. With the rise of the Internet financial products at the same time, the traditional city commercial Banks and joint-stock Banks will face more intense competition environment.Due to its financial product homogeneity serious,internal innovation mechanism is unreasonable. How to carry out financial product innovation in the market the commanding heights will be Banks urgently need to study the problem.This article selects JS bank as samples, through questionnaire investigation, interview method, comparative research and literature research, found the financial product innovation in a series of problems,and analyze the fundamental cause of these problems, finally puts forward the feasible innovative solutions.JS bank shall establish a sound internal innovation mechanism.Attaches great importance to the technology and talent, improve the structure of financial products.Understand the financial needs, improve financial products of originality.Way to improve the marketing, and external resources integration.The paper compared financial innovative product with Internet products, having more significance.