Independent development, collaborative development, and technology introduction.
1. Independent development: This institution independently develops new financial products. This method is mainly suitable for large financial institutions with strong economic strength and R&D capabilities.
2. Collaborative development: Financial institutions, universities or scientific research institutions collaborate to develop new products. This method is widely used by large, medium and small financial institutions.
3. Technology introduction: Develop new products by introducing foreign technology and purchasing patents. If new products are developed through technology introduction, it will play an important role in helping my country's financial institutions quickly approach the world's advanced level and enter the international market.