中文摘要
中文摘要
随着科学技术的进步和金融科技的迅速发展，商业银行越来越关注商业场
景和数据共享，商业银行、非金融机构以及科技公司都在争夺和分享科技红利，
开放银行商业模式应运而生。开放银行的核心是数据开放和数据共享，通过互
联网实现对客户的服务，使得商业银行对物理网点和人力资源的依赖明显减少，
对中小银行的发展有着天然的友好性。另一方面，公司业务一直以来都是商业
银行的核心业务，公司业务产品创新也是产品创新的重点领域，也是商业银行
发展的活力源泉。面对不断升级的客户需求和日益激烈的市场竞争，商业银行
只有不断的利用金融理论并结合先进信息技术，沿着开放银行的发展趋势，切
实做好产品创新管理，激发产品创新潜能，围绕“以客户为中心”的理念展开
产品创新工作，才能保持竞争优势，实现持续稳定的高质量发展。
A银行作为一家国内较为领先的城市商业银行，十分重视公司业务的产品创
新工作，也在尝试着结合业务场景来试水开放银行模式在公司业务中的应用。
通过本文研究，笔者认为：针对A银行在公司业务产品创新管理中存在的问题，
需要从创新规划、创新流程、科技支撑、创新评价、创新架构、团队建设、创
新激励和营销宣传等方面进行调整，以实现产品创新管理的有效提升。
关键词：开放银行；公司业务；产品创新；创新管理；A银行
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Abstract
Abstract
With the progress of science and technology and the rapid development of
fintech, commercial banks are paying more and more attention to the business scene
and data sharing. Commercial banks, non-financial institutions and technology
companies are all competing for and sharing the dividend of science and technology,
and the open banking business model arises at the historic moment. The core of open
banking is data openness and data sharing. Through the Internet, commercial banks
can realize customer services, which significantly reduces their dependence on
physical branches and human resources and is naturally friendly to the development
of small and medium-sized banks. On the other hand, corporate business has always
been the core business of commercial banks, and product innovation of corporate
business is also the key field of product innovation, which is also the source of
vitality for the development of commercial banks. Facing the escalating customer
demand and increasingly fierce market competition, commercial banks can maintain
their competitive advantage only by continuously using financial theory and
advanced information technology, following the development trend of open banks,
earnestly doing a good job in product innovation management, stimulating product
innovation potential, and carrying out product innovation around the concept of
"customer-centered", Achieve sustained and stable high-quality development.
As a leading city commercial bank in China, A bank attaches great importance to
the product innovation of the company's business and is also trying to test the
application of the open banking model in the company's business in combination with
the business scenario. Through this research, the author believes that in view of the
problems existing in the corporate banking product innovation management of A
bank , it is necessary to adjust from the aspects of innovation planning, innovation
process, scientific and technological support, innovation evaluation, innovation
structure, team construction, innovation incentive and marketing publicity, so as to
realize the effective improvement of product innovation management.
Key Words: Open Banking;Corporate Banking; Product Innovation; Innovation
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Abstract
Management; A bank
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