摘要
长期以来,产品易于被竞争对手模仿及保持市场优势时间短,成为制约商业银行产品创新的“瓶颈”。目前国内商业银行需要经历机制性的组织变化才能逾越产品创新的难关,因而要求在组织管理层中有能动的“导航者”。导航者的作用在于使组织的创新机制运作顺畅、培养有创新能力的团队及引入合适的创新技术,从而改善组织的产品创新效果、塑造组织的产品创新文化。有鉴于此,要求导航者要具备必要的知识、投入足够的精力及承担潜在的风险。本文通过案例银行的具体产品创新实例,分析了导航者如何导航产品创新的开展,使理论与实际结合,具有一定的应用价值。
Banking products have long been imitated easily by competitors and short-lived in terms of maintaining market advantage. This has become a bottleneck preventing commercial banks from innovating products. At present, domestic commercial banks need to undergo a system overhaul to overcome the barrier of product innovation. Thus active ＂navigators＂ are called for in the management. The role of a navigator is to keep the innovation mechanism going smoothly, facilitate a team with innovation potentials and introduce suitable new innovation technology so as to improve the effect of product innovation and create an innovation culture in the bank. Therefore, a navigator is supposed to have necessary knowledge, able devote enough energy and face potential risks. This paper, based on a case study of banking product innovation, discusses how a navigator navigates product innovation and combines theory with practice. It is of some practical value.
出处
《金融论坛》
CSSCI
北大核心
2006年第12期55-59,共5页
Finance Forum
关键词
商业银行
产品创新
导航者
创新文化
commercial banks
product innovation
navigators
innovation culture
