对我国商业银行金融产品创新的思考

Reflections on the Innovation of Financial Products in China's Commercial Banks

金融产品创新是商业银行竞争的有力武器,特别是金融格局越来越开放的今天尤显重要。当前金融产品创新中由于观念、制度、内部管理与技术方面的约束,导致产品创新结构失衡、联动性不强等方面的问题,影响了金融产品创新的功能发挥。应当从产品创新机制、基础、保障、环境等方面予以进一步完善。

The innovation of financial products as a powerful weapon for commercial bank's competition in the market is becoming particularly important along with the further open-up of today's financial pattern.However since the present innovation of financial products is restricted to idea institution internal management and technique problems such as structural imbalance of product innovation and weak coordination of operational procedures have emerged which greatly affects the functions of the innovation of financial products.Thus it is imperative to carry out improvements in mechanism infrastructure guarantee and environment of the innovation.