本文以商业银行为例，以当前现状为基点，结合信息不对称理论，
信贷配给理论，金融创新理论，企业金融成长周期理论等，提出信贷
产品创新发展的必要性与紧迫性。通过数据的相关分析，引出当前信
贷产品创新的特点，分类，发展趋势，对银行信贷产品创新及存在的
问题进行深入研究，并通过对宁波银行和南京银行的信贷产品创新进
行比较，提出商业银行信贷产品创新的建议
本论文提出商业银行信贷产品创新的建议：完善金融创新组织体
系，实行统一规划的创新工作。充分利用信息网络技术，依靠高度集
成化，智能化，网络化的银行信息管理系统进行产品创新。同时做到
创新与防范金融风险并重，在创新机制的设立时需要充分考虑对风险
的覆盖，重组，转移，分散及管控。加强人才培养，完善绩效考核机
制
关键词：商业银行，信贷产品，创新II
The Study of Product Innovation of Commercial Bank
Credit Business
Abstract
Nowadays, traditional modes that domestic commercial banks are confronted with a
series problems caused by the anemic pace of growth, the lake of structure diversity in
credit, the fierce internal and external competition and the economic downturn restrict
the commercial bank’s development. Besides, risk prevention mechanism and
innovation system are not well developed and the seriously homogeneous products
appears, which also impose restrictions on commercial bank’s growth.
This thesis takes the commercial banks as an example: on the basis of current
situation combined with an asymmetric information theory, the credit rationing theory,
the financial innovation theory, the enterprise financial growth cycle theory, the
necessity and urgency of credit products innovation development are raised. Through
the corresponding data analysis, the current credit innovation character, classification,
and development tendency are elicited. The existing problem and innovation problem
of bank credit products are further studied. After comparing the credit products
innovation between Ningbo Bank and Nanjing Bank, the suggestions about bank
credit products innovation are put forward.
This paper comes up with the suggestions about credit products innovation in
commercial banks: Improving the financial innovation organization system and
implementing the innovation works with unified planning. Product innovation is on
the basis of making full use of information technology and bank information
management system with high integration, intellectualization and network.
Meanwhile, equal attention should be paid to innovation and risk prevention. When
establishing the innovation mechanism, the risk coverage, recombination, transfer,
dispersion and control should be fully considered. Strengthening talent training and
improving staff prompting mechanism are also a must.
Key words: commercial Banks, credit business product ，innovation浙江工业大学硕士学位论文 商业银行信贷产品创新研究
III
目 录
1 绪论..........1
1.1 研究背景及意义.........1
1.1.1 研究背景..........1
1.1.2 研究意义..........1
1.2 国内外研究综述.........2
1.2.1 国外研究综述..2
1.2.2 国内研究综述..3
1.2.3 简要评析..........4
1.3 研究计划..........4
1.3.1 研究目标..........4
1.3.2 研究方法..........5
1.3.3 研究内容..........5
2 相关概念及文献回顾.....6
2.1 相关概念定义.6
2.1.1 信贷产品的概念...........6
2.1.2 信贷产品创新的概念...6
2.1.3 商业银行信贷产品创新的内涵...........7
2.2 商业银行信贷产品创新的必要性分析..........7
2.2.1 信贷产品结构现状.......7
2.2.2 商业银行信贷产品创新的必要性.....10
2.3 商业银行信贷产品创新的理论基础11
2.3.1 金融创新理论研究.....11
2.3.1 产品创新的相关理论.12
3 商业信贷产品创新现状...........14
3.1 商业银行信贷产品创新特点...........14
3.1.1 商业银行信贷产品创新规模变化-以北京银行为例..........14
3.1.2 商业银行信贷产品创新面临的挑战15
3.1.3 商业银行信贷产品创新面临的主要风险....16
3.1.4 商业银行信贷产品创新监管现状....17
3.2 商业银行信贷产品创新的分类.......17
3.2.1 按内部资产担保创新分类....17
3.2.2 按外部担保创新分类.18浙江工业大学硕士学位论文 商业银行信贷产品创新研究
IV
3.2.3 从不同发展阶段来分类........18
3.2.4 从企业不同的生产经营环节分类....19
3.2.5 从细分市场中分类....19
3.3 商业银行信贷产品创新的发展趋势20
3.3.1 商业银行信贷产品创新的总趋势....20
3.3.2 机构向小散专方向转移.........20
3.3.3 定制化专项授信政策.21
3.3.4 向互联网金融方向发展.........21
4 商业银行信贷产品创新面临的问题分析......23
4.1 商业银行信贷产品创新存在的问题23
4.1.1 产品体系不健全，同质竞争激烈.....23
4.1.2 风险防范机制不健全24
4.1.3 创新服务保障不足....24
4.1.4 人才流失严重.25
4.2 商业银行信贷产品创新存在问题的原因分析.......26
4.2.1 市场需求多样化，产品创新不足.....26
4.2.2 缺乏动态的风险防范机制....27
4.2.3 绩效考核机制不健全，人才培养力度不足.29
5 国内商业银行信
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