作为我国商业银行的主营业务,信贷产品一直为业界所深入关注和重视,其新产品的推出速度和创新程度亦为商业银行核心竞争力的关键指标之一。与此同时,业内外人士均存有思维定式,认为信贷产品创新是被客户牵着鼻子走,东一榔头、西一棒子,毫无章法可言。事实并非如此。本文拟从产品研发人员实际工作角度出发, As the main business of China’s commercial banks, credit products have been deeply concerned and valued by the industry. The speed and innovation of new products are also one of the key indicators for the core competitiveness of commercial banks. At the same time, both inside and outside the industry there are thinking patterns, that credit product innovation is led by the customer holding the nose, the East a hammer, the West a stick, no rules at all. But in fact, it’s not. This article from the product research and development staff from the actual point of view,