The embodiment of the invention discloses a 
label-based financial product development method and 
system. The method comprises the steps of obtaining existing financial product information, generatinga 
label corresponding to the financial product information according to a preset rule, detecting a development instruction of a new financial product, and obtaining a 
label of an existing financial product of a 
client; converting the existing financial 
product label into a label corresponding to a new financial product, encrypting the converted label to generate an electronic token, pushing the electronic token to a 
service system, generating a corresponding financial product by the 
service system according to the electronic token, and pushing the corresponding financial product to a 
client interaction terminal. According to the invention, business rules of products output to clients by banks are sorted, refined and stored. The product business and 
system rules are stored. Digital markingis carried out on the stored product business and 
system rules. When brand-new product innovative design is carried out through digital marking, digital marks among different products can be directlycalled and combined to form brand-new financial products, the 
development period is shortened, and the development efficiency is improved.