【作者】 冯一娜；

【导师】 周殿昆；

【作者基本信息】 西南财经大学 ， 营销管理， 2008， 硕士

【摘要】 进入20世纪90年代以来,随着全球信息通信技术的飞速发展,新产品、新技术的出现和交替速度越来越快,产品的生命周期正呈现出逐渐缩短的趋势,企业传统的产品开发管理系统面临着被颠覆的危险。越来越多的公司、企业意识到,在当今这个激流涌动的商业环境中,他们需要一个迎接而不是抗拒变化的产品开发管理系统。于是,越来越多的学者开始关注于对传统产品开发过程的改造,一种全新产品开发理念——柔性产品开发系统由此诞生。与传统产品开发不同的是,柔性产品开发更加强调的是,产品开发过程对外部环境变化的快速反应和有效适应性,从而开发出来的产品更能满足客户的即时需求。如今,柔性产品开发逐渐成为国内外管理理论界和企业界谈论的热点,并在IT业、工业制造业乃至于服务业开始逐步应用。本文主要针对的是,把柔性产品开发导入我国城市商业银行的产品开发系统中,所涉及的相关问题的应用研究。因为随着加入世界贸易组织WTO后,中国银行业竞争格局正在不断发生变化,城市商业银行不但要应对国内同业的竞争,还要面对来自外资银行的挑战,具有优势的产品和科学的管理,成为我国城市商业银行应对剧烈竞争的利器,而如何通过有效的产品开发和管理,使其产品真正具有竞争力,成为城市商业银行现阶段需要解决的首要课题。本文在对柔性的定义、产品开发方式柔性化与柔性产品开发,进行较为详尽的阐述和比较分析的基础上,概括总结出柔性产品开发的相关特征,并最终更为具体的给出了柔性产品开发的定义,即能够快速有效的整合企业内外部资源(人员、技术等),以迅速适应环境变化的需要,并具有持续的新产品开发能力的产品开发过程。而后,更为具体的指出,柔性产品开发在实施内容上包括:建立管理信息系统、应用模块化设计方法、实行“并行工程”组织管理模式、整合外部优质资源等四个方面。接下来,本文对我国城市商业银行所处现状,以及近些年来,他们在产品开发方面所取得的进展,产品开发过程中的缺陷,做出了深入的分析。并结合柔性产品开发的相关原理,指出在现有的环境背景下,将柔性产品开发引入城市商业银行是十分必要的。因为这不仅是城市商业银行更好的应对市场竞争的需要,还可以有效的弥补其产品开放过程中存在的缺陷,更利于城市商业银行未来的发展。在导入柔性产品开发系统可行性问题上,本文从城市商业银行具备导入的基本条件,和便于实施柔性产品开发的有利因素两个方面,作出了细致地分析,得出了柔性产品开发,在我国城市商业银行中是可以实行的结论。最后,本文根据我国城市商业银行的具体特性,将柔性产品开发的理论精髓导入到他们现有的产品开发体系中,通过适当的改造和调整,构建了更加适合于城市商业银行未来发展的柔性产品开发体系,供其在具体实施柔性产品开发时参考。希望通过本文的研究,能在城市商业银行增强产品创新能力,提升自身竞争力方面,尽上微薄之力。更多还原

【Abstract】 Since 1990s, with the global information communication rapid development, the new product, the new technical appearance and the quick transformation speed, the product life cycle is presenting the tendency which reduces gradually. The enterprise tradition product development management system is facing the danger which would be subverted. More and more companies and enterprise realized that in this turbulent business environment, they need a product development management system which could greet rather than resist the change. Therefore, more and more scholars started to pay attention to the transformation of the legacy product development process, one brand-new product development idea - - flexible product development system is born from this. The difference between the legacy and flexible product development is, the flexible product development even more emphasizes , the rapid reaction and effective compatibility which the product development processes to external environment change, thus the development with the product can satisfy the customers’immediate demand. Now, the flexible product development gradually becomes the domestic and foreign management theorists and the business community discussion hot spot. In IT industry ,industry manufacturing industry and even service industry, it is applied gradually. This article mainly aims at the application of the flexible product development in City Commercial banks of our country in the product development system, and involves related question applied research. Because after joining World Trade Organization WTO, the Chinese Banking industry competition pattern is changing unceasingly, the city commercial banks not only compete with the domestic commercial banks, but also face the challenge from the foreign capital banks. The superiority products and the scientific management becomes a sharp weapon of Our country City Commercial banks’response to fierce competition . But how to make the products competitive by the effective product development and management becomes the most important topic which the city commercial banks needs to solve at present.This article in the foundation which defined the flexibility, and carried on a more exhaustive elaboration and the comparative analysis with the product development way flexibility and the flexible product development, summarized the flexible product development related characteristic, and finally gave a more concrete definition of flexible product development, namely it is a product development process that can fast and effectively integrate internal and external of enterprise resources (personnel, technology and so on) to rapidly adapt to environmental variation need, and has the capability which could continue to develop new product. After that , more concretely pointing out, the flexible product development includes in the implementation content: The establishment of management information system, using the modular design method, putting“the parallel projects”the organization to manage the pattern into effect , the integration of exterior high quality resources and so on.Then, this article in connection with the present situation of Our country City Commercial banks, as well as the progress and flaw which obtains in the product development aspect recently, has made a thorough analysis. Combining with the related principle of flexible product development, it pointed out that it is extremely essential to introduce the flexible product development into the city commercial banks under the existing environment background. Because this is not only a need that make the city commercial bank better meet the market competition, but also a way that may effectively atonement its product opening process existing the flaw, it is better for the city commercial banks’future.Finally, this article according to the concrete characteristic of Our country City Commercial banks, inducts the flexible product development theory essence into their existing product development system, through the suitable transformation and the adjustment, constructed a flexible product development system which will be fit for the development of the city commercial banks’future. I hope that this article is useful to strengthen the product innovation ability of the city commercial banks, and to promote own competitive power.更多还原