摘要
持续创新是城市商业银行保持并提升小微金融业务核心竞争力的关键所在。国内城市商业银行应充分发挥其一级法人的体制机制优势以及扎根基层的地缘人缘优势,依托从事小微金融业务的丰富经验,从系统的观点出发推进整体创新。尝试运用服务创新的四维度模型对城商行小微金融创新进行阐述,从概念创新、界面创新、组织创新及技术创新四个维度展开研究,并通过案例的分析提供注解。
The key to sustain city commercial banks＇ competitiveness is to maintain innovation.The city commercial banks should make good use of the advantages of their first tier legal persons and their links to grass-root level communities. The paper tries to propose overall innovation of city commercial banks after analyzing the rich experience of city commercial banks in conducing small and micro financial business. The paper also tries to utilize the four dimensional types to illustrate the innovation of small and micro finance of city commercial banks. The paper conducts its research from the following four aspects, definition innovation, interface innovation,organization innovation and technology innovation and provides notes by case study.
出处
《金融理论探索》
2016年第2期62-67,共6页
Exploration of Financial Theory
关键词
城商行
小微金融
服务创新模式
四维度模型
city commercial banks
small and micro finance
service innovation mode
four dimensional types
