我国商业银行金融产品创新不足的原因

Reasons for insufficiency of innovations in Chinese commercial banks' financial products

与西方银行金融产品创新蓬勃发展相比,我国商业银行金融产品创新则明显不足,这其中的原因不在于我国分业的经营制度,金融市场不发达等外部因素,而主要是在于银行业过去发展的模式已经不再适用于新的形式。旧的发展模式在金融不断深化、银行业的开放程度不断增强的今天,日益显现出其内在的局限性,严重地影响了银行业的经营效益和整体竞争能力的提高。所以,应该尽快强化我国银行机构的市场主体地位,健全内部治理结构。

Compared with the vital developing process of financial product innovations in the western commercial banks, Chinese commercial banks' product innovations are obviously insufficient. These are not because our segregating banking system, or imperfect financial market, etc. but because our past model of developing bank hasn't been accomodated for the new circumstances. For in the transition periods, we adopted the government-oriented model, that is, the government should set up the bank system to promote the development of commercial bank, and made great progress. But this model show up its internal disadvantages in the process of financial deepening and wider opening of banking circles, which have restrained the operation performance and overall competitiveness. So we should strengthen the bank as the main market players, and improve the internal governance structure.