Under Prudential Regulation Research X Bank JN Branch's Financial Product Innovation Of And Strategy Analysis

In recent years,especially after the US subprime mortgage crisis,China's economic development has entered a stage of adjustment with the world economy,economic growth has slowed,market interest rate reform has accelerated,financial system reform and the rapid development of third-party payment industry China's financial system reform and innovation of the main work and an important manifestation of the objective of China's financial regulatory authorities to increase the supervision of commercial banks,resulting in the deterioration of commercial banks operating environment.In order to ensure their own healthy and stable development,commercial banks must promptly adjust their business philosophy and management mode,according to the specific requirements of the new situation to speed up their own reform and innovation,customer-centric to build a more scientific and more humane business management model Vigorously promote the innovation and development of financial products to achieve their own characteristics of the operation,thus forming a more powerful market competitiveness and actively respond to the impact of the financial system reform.The research of this subject shows the theoretical and practical significance of the two aspects of the results: from the theoretical point of view,China's commercial banks in the financial innovation as the core of the industrial transformation and development,commercial banks must be based on the development of interest rate exchange rate changes And timely adjust their own business objectives and management model for its smooth transition from the theoretical level to provide effective guidance;from its practical point of view,the subject of specific research to Jinan Branch of Industrial Bank as a research object,a systematic study of the bank in the financial products Innovation,and in-depth analysis of its transformation and development process problems,and targeted the development of optimization and solutions for the bank's scientific transformation and the formation of core competitiveness to provide adequate guidance for the bank's product innovation,management Model innovation to provide positive and effective recommendations,but also for other domestic commercial banks to provide innovative financial innovation and transformation of the development of effective reference to comprehensively enhance the financial innovation of China's commercial banks and management level.Based on the econometric model,this paper makes a comprehensive analysis on the transformation and development of Jinan Branch of Industrial Bank,especially the level of financial innovation.Based on the internal management of financial innovation and operating efficiency,this paper analyzes the financial product innovation the concept of scientific analysis,combined with the development of the status quo analysis of its existing problems and shortcomings,so as to optimize the direction of optimization and specific methods.According to the above research objectives,the research ideas and the overall structure of the paper can be summarized as follows: The first chapter elaborates the background and significance of the research,and summarizes the contents,ideas and methods of the research object according to the research goal and summarizes the innovation of the research and pointed out the shortcomings of the paper;the second chapter is literature review.This paper summarizes and summarizes the existing theoretical research results of financial products innovation at home and abroad,and summarizes and narrates the main literature and viewpoints.The third chapter is the case analysis.This paper analyzes the present situation of the development of financial product innovation by combing its innovation and development strategy and the concrete implementation measures.On this basis,it analyzes and analyzes the existing problems and shortcomings through scientific methods.The fourth chapter specifically through the asset size,cost income ratio,non-profit income ratio,deposit and loan ratio and other indicators of the bank's ROA(i.e.,asset yield)to study and analysis,and the comprehensive use of unit root test,the relationship between the innovative measures and the level of benefits of the financial products is analyzed on the basis of the tools such as the causal relationship test and the cointegration test.Based on the short-term equilibrium and the long-term equilibrium,This paper analyzes the effect of the financial innovation strategy on the basis of the internal and external environmental factors of the JN Branch of Bank,and analyzes the effect of the financial innovation strategy through the SWOT model,and analyzes the effect of the financial innovation strategy in the same way,Accounting and other aspects of the financial strategy of specific financial products to carry out special analysis,to determine its advantages and disadvantages;Chapter VI of the full text of the study summed up on the basis of the proposed research results,a clear study of innovation and Lack of.The innovation of this research is embodied in the following aspects: First,it is a quantitative research on the relationship between financial innovation and management efficiency in the existing theoretical research.It is difficult to provide scientific and specific strategic guidance for the bank financial innovation.The financial innovation and development level of commercial banks,and the level of financial performance of bank financial products from the perspective of quantitative analysis.The second step is to construct the econometric model,and analyzes the feasibility and effectiveness of its overall innovation strategy through SWOT model,and clarifies the scientific ideas and effective methods of innovation and development of different financial products.The shortcomings of this research are mainly reflected in the fact that the data used in the research are simple and the object of the empirical study does not involve the bank's confidential products and data.Therefore,it has affected the research of the research Comprehensiveness and accuracy,objectively on the results of the study adversely affected.