我国商业银行业务创新中存在的问题及对策研究

The Problems in Business Innovation in China's Bank and Our Suggestions

在 2 0世纪 80年代以后的 2 0年里 ,我国商业银行的业务创新取得了很大的发展。然而由于在创新动因、创新主体、创新环境以及创新的技术支撑方面与西方发达国家的商业银行业务创新存在着很大的差异 ,因而我国的商业银行创新仍存在着缺乏系统性、科学性、国内的一些政策和制度以及商业银行的经营管理体制限制了创新等问题。作者对这些问题的原因进行逐一分析之后 。

With the reform of the system of banking, bank new business has been developed quickly in China. After all, because of the difference in motives, environment, subjective and technology, there are many problems in bringing forth new business in Chinese banking when compared with developed countries. Refer to these problems, we put forward our suggestions.