浅谈我国商业银行金融创新

A Brief Introduction to Financial Innovation of Commerical Banks in China

由于受到制度、环境、观念、机制等因素的束缚,目前我国商业银行的金融创新还主要停留在浅层面的业务创新上。应改革金融调控体制,为商业银行金融创新营造宽松的政策环境;同时,各商业银行要不断更新观念,强化自身金融创新能力,加强创新业务的风险管理和市场营销,积极探索有效的金融创新途径。

The present financial innovation of commercial banks in China stays generally on the superficail level for operation innovation due to the restrictions of systems,environment,concepts and mechanism.It is necessary to reform the financial regualtion systems for the creation of relaxing policy environemnt suitable to the financial innovation of commercial banks,and at the meantime commercial banks are supposed to change their ideas,enhance the financial innovation abilities,strengthen the risk management of innovation and marketing,and explore actively the effective approaches to financial innovation.