我国自贸区商业银行金融创新模式研究

Research on the Financial Innovation Model of Commercial Banks in the Free Trade Area of China

国家实施自贸区战略,丰富了区域内商业银行的客户资源,在一定程度上也增加了银行金融机构业务扩张、创新的机会和能力。文章以上海、广东、福建、天津为例,从国家战略发展层面综合分析,着重以金融产业服务模式创新发展的视角重新审视自贸区政策助力下的区域内商业银行金融的发展之道,挖掘商业银行金融创新与自贸区金融政策的内在联系,认为应立足现有政策性资源优势,加大宣传攻势,慎选目标客户,将坚守服务实体经济的运营宗旨加以明确化;应全面提升区域内商业银行自贸区业务的经营管理一体化水平。

The national implementation of the FTA strategy not only can enrich the commercial bank customer resources, but also can enhance the banking financial institutions and the expansion of opportunities for innovation and ability. In Shanghai, Guangdong, Fujian, Tianjin, for example, from the national strategic development level, we should focus on the development of the commercial banks in free trade area under national financial support based on the introduction of financial innovation, find the connections between financial innovation and the development of FTA policy. With present policy supporting, we should intensify the publicity campaign and select target customers carefully, maintain the operational purpose of serving the real economy, as well as comprehensively raise the level of business management of the commercial Banks in the free trade area.