Dissertation Submitted to
Hebei GEO University
for
The Master Degree of
Business Administration
Research on Risk Management of Financial Product Innovation
in Z bank H branch
by
Ce Zhou
Supervisor Prof：Guozhu Li
Associate Supervisor:Yuwei Li
12/2021

河北地质大学硕士学位论文
摘要
产品创新对于我国国内金融欧亿·体育（中国）有限公司而言，既是公司发展的重要机遇，也是其发展所
面临的重要风险。鉴于此，本文基于金融产品的创新风险，选取 Z银行 H分行所提供
的金融产品面临的具体产品创新风险作为本文的具体研究对象，深入探讨了其在产品
创新过程中所面临的各类风险，并对其进行全面、系统的评估与探讨，结合公司实际
情况，提出了具体的改进方案与对策。首先，本文梳理并总结了当前国内外与商业银
行金融产品创新相关的各类理论，阐述金融产品创新的深刻内涵以及与其相关的具体
理论等；然后，分析了当前 H分行在金融产品创新过程中的风险管理现状，并对面临
具体风险进行了明确；第三，借助风险识别矩阵方法，来对 H分行具体金融产品的创
新环节所面临的各项风险因素进行了全面深入的识别，并基于专家具体调查数据，对
H分行具体风险进行全面系统的评估，最终找出 H分行在金融产品创新过程中主要面
临的以下几种风险，如信用风险、声誉风险、市场风险以及操作风险等，并对其具体
产生的原因进行了分析；最后，结合前文风险识别与评估环节的结果，提出了满足 H
分行实际发展情况的金融产品创新风险防范对策。
本文的研究结论如下：
（1）针对金融产品创新过程的风险管理，提出了利用风险识别矩阵的方法进行
分析的理论研究框架，提出应关注风险识别、评估以及调控三个主要环节，实现对金
融产品创新风险进行综合分析与管理。
（2）选取 H分行作为研究对象，发现其在有关金融产品创新方面主要存在七个
主要风险，即技术、流动性、操作、市场、声誉、信用、以及法律风险。
（3）针对商业银行金融产品创新风险的主要因素，提出了具体的改进对策与建
议，如：构建公司内部风险管理制度体系，基于现代信息技术来改进风险预警系统，
不断强化内部管理手段，加强金融产品外部监管。
本文的研究内容将有利于促进国内众多商业银行更好的进行产品创新、产品结构
调整，从而推动我国经济社会进一步转型升级以及金融创新欧亿·体育（中国）有限公司经济的发展。此外，
本文研究内容也进一步为国内同欧亿·体育（中国）有限公司银行的发展提供了重要的借鉴与参考。
关键词：金融产品创新风险管理商业银行
I

Z银行 H分行金融产品创新风险管理研究
ABSTRACT
For China's domestic financial industry, product innovation is not only an important
opportunity for the development of the company, but also an important risk faced by its
development. In view of this, based on the innovation risk of financial products, this paper
selects the specific product innovation risk faced by the financial products provided by H
branch of bank Z as the specific research object of this paper, deeply discusses various risks
faced in the process of product innovation, comprehensively and systematically evaluates
and discusses them, combined with the actual situation of the company, Specific
improvement schemes and countermeasures are put forward. Firstly, this paper combs and
summarizes various theories related to financial product innovation of commercial banks at
home and abroad, and expounds the profound connotation of financial product innovation
and its related specific theories; Then, it analyzes the current situation of risk management
in the process of financial product innovation in H branch, and defines the specific risks
faced; Thirdly, with the help of the risk identification matrix method, this paper
comprehensively and deeply identifies the risk factors faced by H branch in the innovation
process of specific financial products, comprehensively and systematically evaluates the
specific risks of H branch based on the specific survey data of experts, and finally finds out
the following main risks faced by H branch in the process of financial product innovation,
such as environmental risk Social risk, market risk and operational risk, and the specific
causes are analyzed; Finally, combined with the results of the previous risk identification
and evaluation, this paper puts forward the risk prevention countermeasures of financial
product innovation to meet the actual development of H branch.
The conclusions of this paper are as follows:
(1) Aiming at the risk management in the process of financial product innovation, this
paper puts forward a theoretical research framework for analysis by using the method of
risk identification matrix, and puts forward that we should pay attention to the three main
links of risk identification, evaluation and regulation, so as to realize the comprehensive
analysis and management of financial product innovation risk.
(2) Taking h branch as the research object, it is found that there are seven main risks in
financial product innovation, namely technology, liquidity, operation, market, reputation,
credit and legal risks.
(3) Aiming at the main factors of financial product innovation risk of commercial
III
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