浅谈中国商业银行的金融创新

On the Financing Innovation of China's Commercial Bank

商业银行的金融创新是银行获取核心竞争力、参与市场竞争的重要手段。金融创新中的主要部分———产品创新存在金融产品的规划、制度环境、创新主体、产品创新市场分级、品牌化管理等问题。金融创新的外部环境建设需要在政策和监管的引导和推动下进一步创新和完善。

The financing innovation of the commercial bank is the important method of banks obtaining the core competitive power and taking part in the market competition. There are many problems which include the design of financing products, system enviornment, innovation mainbody, grading of the product innovation market and the mark management existing in the product innovation. The financing innovation needs us perfect the construction of the external enviornment guided by the policy.