随着互联网金融的发展，行业竞争加剧，商业银行对于金融产品的重 视程度也越来越高。在此背景下，A银行S分行仍然停留在原有的产品开 发模式上，开发方法和管理模式略有滞后，开发周期长，产品质量不高， 已无法快速满足客户多元化的需求。对于如何利用自身优势，不断地推出 受市场欢迎的新产品来建立新的市场优势是A银行S分行面临的重要问题。 目前，精益创业理论在工业制造业、IT产业乃至服务业中受到广泛的 认可和应用，使用精益产品开发模式能够快速响应市场需求，减少实践过 程中产生的浪费，从而降低创新风险。 本文从互联网金融环境下商业银行创新实践出发，以精益创业理论为 研究基础，首先详细介绍了A银行S分行产品创新现状及发展情况，得出 了该行产品创新存在产品优势不明显、产品创新效率低、产品创新活力不 足等问题,并对其原因进行了详细分析，主要体现在对创新过程缺乏精细化 管理、创新机制不完善、缺乏对客户需求的持续跟踪等方面。 其次，通过精益创业理论构建出精益产品创新流程具体实施方法，使 用问卷调查法和层次分析法进行精益产品创新流程实施验证，尝试将精益 创业理论导入商业银行，以探讨其在商业银行产品创新管理的可行性。 最后，结合A银行S分行实际，借鉴国内外大型商业银行的产品创新 管理机制，根据精益创业理论为该行产品创新提出了具体的策略，一是健 全产品创新管理体系；二是结合精益产品创新思路，从客户探索、立项分 析、设计开发、上市管理四个阶段优化产品创新流程；三是提高技术应用 对产品创新的支持、重视创新人才培养。 本文在银行产品创新方面构建了精益产品开发流程，为商业银行开展 II 产品创新提供科学的理论支撑和参考范例。以期帮助相关企业及后来学者 提供借鉴和参考，希望能够提升商业银行的核心竞争力。 关键词：互联网金融产品创新精益创业 III RESEARCHONLEANPRODUCTINNOVATION MANAGEMENTOFABANKSBRANCH ABSTRACT WiththedevelopmentofInternetfinance,industrycompetitionhas intensified,andcommercialbanksarepayingmoreandmoreattentionto financialproducts.Inthiscontext,ABankSbranchstillstaysontheoriginal productdevelopmentmodel,thedevelopmentmethodandmanagementmodelare slightlylaggingbehind,thedevelopmentcycleislong,theproductqualityisnot high,anditisunabletoquicklymeetthediverseneedsofcustomers.Howto makeuseofitsownadvantagesandcontinuouslylaunchnewproductsthatare popularinthemarkettoestablishnewmarketadvantagesisanimportantissue facingABankSbranch. Atpresent,thetheoryofleanentrepreneurshipiswidelyrecognizedand appliedintheindustrialmanufacturing,ITindustryandeventheserviceindustry. Theuseofleanproductdevelopmentmodelscanquicklyrespondtomarket demand,reducewasteintheprocessofpractice,andtherebyreduceinnovation risks. StartingfromtheinnovationpracticeofcommercialbanksintheInternet financialenvironment,thispaperusesleanentrepreneurshiptheoryasthe researchfoundation.First,itintroducesindetailthecurrentsituationand developmentofproductinnovationinABankSbranch,andconcludesthatthe bank’sproductinnovationhasunobviousproductadvantagesandproduct innovation.Problemssuchaslowefficiency,insufficientproductinnovation vitality,anddetailedanalysisoftheircausesaremainlyreflectedinthelackof refinedmanagementoftheinnovationprocess,theimperfectinnovation IV mechanism,andthelackofcontinuoustrackingofcustomerneeds. Secondly,buildaspecificimplementationmethodofleanproductinnovation processthroughleanentrepreneurshiptheory,usequestionnairesurveyand analytichierarchyprocesstoverifytheimplementationofleanproductinnovation process,trytointroduceleanentrepreneurshiptheoryintocommercialbanksto exploreitsproductinnovationmanagementincommercialbanksThefeasibility. Finally,basedontheactualsituationofABankSbranchandtheproduct innovationmanagementmechanismoflargecommercialbanksathomeand abroad,specificstrategiesforproductinnovationofthebankareproposedbased ontheleanentrepreneurshiptheory.Oneistoimprovetheproductinnovation managementsystem;theotheristocombineleanproductinnovation.Theideais tooptimizetheproductinnovationprocessfromthefourstagesofcustomer exploration,projectanalysis,designanddevelopment,andlistingmanagement; thethirdistoimprovethesupportoftechnologyapplicationsforproduct innovationandemphasizethecultivationofinnovativetalents. Thisarticleconstructsaleanproductdevelopmentprocessinbankproduct innovation,andprovidesscientifictheoreticalsupportandreferenceexamplesfor commercialbankstocarryoutproductinnovation.Inordertohelprelevant enterprisesandlaterscholarstoprovidereferenceandreference,hopingto enhancethecorecompetitivenessofcommercialbanks. KEYWORDS:Internetfinance；productinnovation；leanentrepreneurship V 目录 摘要.............................................................................................................................................I ABSTRACT.............................................................................................................................III 第一章绪论...........................................................................................................................1 1.1研究背景及意义............................................................................................................1 1.1.1现实背景..............................................................................................................1 1.1.2理论背景..............................................................................................................1 1.1.3研究意义..............................................................................................................2 1.2文献综述........................................................................................................................2 1.2.1金融产品创新......................................................................................................2 1.2.2国内外商业银行产品创新机制与启示..............................................................4 1.2.3精益创业理论......................................................................................................5 1.2.4文献评述..............................................................................................................7 1.3研究思路和内容............................................................................................................8 1.3.1研究思路..............................................................................................................8 1.3.2研究内容..............................................................................................................8 1.4研究方法和技术路线....................................................................................................9 1.4.1研究方法..............................................................................................................9 1.4.2技术路线............................................................................................................10 第二章相关理论基础和精益产品创新管理实施框架........................................................11 2.1相关理论基础..............................................................................................................11 2.1.1金融产品创新的基本理论................................................................................11 2.1.2精益创业的基本理论........................................................................................12 2.1.3层次分析法的基本理论....................................................................................13 2.2精益产品创新管理......................................................................................................13 2.2.1客户探索阶段....................................................................................................14 2.2.2客户验证阶段....................................................................................................14 2.3精益产品创新管理实施框架......................................................................................15 2.4本章小结......................................................................................................................17 VI 第三章A银行S分行产品创新现状及问题分析................................................................18 3.1A银行S分行基本概况..............................................................................................18 3.2A银行S分行产品创新发展现状..........