金融创新与21世纪我国商业银行的可持续发展

Financial Innovation and Sustainable Development of Commercial Banks of China in the 21st Century

20世纪 70年代以来 ,国际银行业的可持续发展引发了世界范围内的金融创新浪潮。现阶段我国金融创新相对滞后 ,制约了商业银行的可持续发展。因此 ,进入 2 1世纪以后 ,营造一个良好的创新环境 ,激活金融机构创新的内在动力 ,形成以业务创新、产品创新、技术创新为核心的金融创新格局 。

Since 1970's,the sustainable development of foreign banking industry has intrigued the tide of financial innovation.However,the comparative lag in financial innovation of China is restricting the sustainable development of commercial banks of China distinctly.Therefore,having entering the 21st centry,the sustainable development of commercial banks of China prerequisites the construction of a favorable environment for innovation,the activation of the inner motivity for innovation,and the molding of a pattern with the core of business innovation,product innovation and technology innovation.