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A Research on the Differentiation and Homogeneity of Commercial Banking Products of China

Author: ChiMeiLing
Tutor: MaYanChun
School: Jilin University
Course: Industrial Economics
Keywords: China Commercial banking products Homogenization Differentiation Innovation
CLC: F832.2
Type: Master's thesis
Year: 2011
Downloads: 511
Quote: 0
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Abstract


Homogenization of commercial banking products and differentiated research from the background of the development of China's commercial banks, until the 1990s, China's commercial banks began to commercialize reform. The past 20 years, the rapid development of China's commercial banks, commercial banks of product innovation has made certain achievements, various bank product innovation, continuous improvement of the degree of innovation. However, we should also see that the homogeneity of the various commercial banking products, due to the late start of the development of China's commercial banks and financial environment can not keep up economic development and other reasons, a high degree of product innovation imitation serious difference obviously insufficient, which is the key factor restricting the development of the commercial banks. With the deepening of the degree of China's financial opening, the realization of the interest rate market, and the RMB exchange rate formation mechanism reform, the development of commercial banking products innovation capability level of commercial banks will play a decisive role. Therefore, the homogenization of products from the commercial banks in China, with the point of view of differentiation on the innovation of banking products. This paper is divided into five chapters: Chapter 1, Introduction. The first introduces the research background and significance of the topic of this article. Followed by starting from the theory of industrial organization theory to analyze the product homogenization and differentiation. The theory of industrial organization the influential theoretical system on product homogeneity and differentiation in Mason and Bain represented by the Harvard School, that the degree of difference of the product will affect the market structure and market performance, thereby affecting the formation of monopoly profits. Different view of the Harvard School product differentiation Austrian School believes that because of the competition between enterprises to promote product differentiation. Finally, the theory of financial innovation comb. Chapter II, commercial banking products and homogenization of differentiated meanings defined. To further elaborate the homogenization and differentiation of commercial banking products, given the definition of a commercial bank banking products, banking products is an invisible service, which is characterized by a high degree of homogeneity. At the same time were also clear the meaning of homogenization and differentiation, as well as the relationship between homogenization and differentiation. You can see from the homogenization of the product and the dynamic process of differentiation, homogenization of the product differentiation is a progressive dynamic transformation process cycle, and gradually realize the upgrade of product structure and dynamic transformation process. Due to the special nature of banking products, it is necessary to define the definition of commercial banking products homogenization. Chapter Chinese commercial bank product homogeneity with the the differentiation status quo and problems. Chinese commercial banks service objects, innovative models, as well as on the promotion mode homogeneity serious, the amount of the advantages of banking products, there is no qualitative breakthrough. Homogeneity of commercial banking products and differentiation inadequate also hinder the development of the commercial banks. Finally, from the five attributes of commercial banking products and financial innovation, product design rights, market positioning between commercial banks, and bank products price elaborated commercial banks homogeneity of differentiated root cause. Chapter differentiated analysis of China's commercial banking products. Two aspects of commercial banking products, respectively, from the formation of commercial banking products differentiated causes and effects of the key factors of commercial banking products differentiated analysis of the differences. Three angles from the supply side and the demand side as well as the development of information technology and progress in the formation of the causes of the differences of commercial banking products to elaborate. Then through administrative intervention, the lack of market-oriented, innovative banking products cost too high and Commercial Bank of China to explain the key factors that affect China's commercial banking products differentiated positioning is not clear three aspects. Chapter strengthen Chinese commercial banks Thinking of product differentiation. In view of the above analysis, from the long-term perspective of the development of commercial banks, commercial banks in order to be able to make innovative banking products with differences, given the principles and framework for Chinese commercial banks to product differentiation, clear business relationship banking products and risk management, and proposed countermeasures and suggestions for product differentiation strengthen China's commercial banks.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Banking system and business
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