我国商业银行产品创新中的制度约束及对策研究

Systemic Restraints in Commercial Bank's Product Innovation and Research on Solutions

中国金融体系在此次国际金融危机中受到的直接影响有限,不仅由于风险防范措施得当,也说明我国金融业国际化程度不高、创新的深度和广度远不及发达国家。目前,我国商业银行产品创新能力较弱,诸多制度约束阻碍了创新能力的发挥。商业银行应顺应创新需要、努力通过制度的健全和完善来满足创新要求,是提升银行核心竞争力的关键。

The latest global financial crisis＇s direct impact on China＇s financial system is limited. The situation not only benefits from our proper measures, but also shows that China＇s financial industry is not highly international- ized, and the depth and width of our innovation is far behind that of developed counfries. Reform of commercial banks has made breakthrough progress, but our ability of product innovation is still weak, and lots of restraints hinder the exertion of innovation ability. Commercial banks need to adapt to market demand, and strengthen the system to meet new requirements, which is the key to enhance the core competitiveness.