商业银行业务创新研究综述

Review of Commercial Banks Business Innovation Research

目前人们对商业银行业务创新的研究是对金融创新研究的继承与深化。相对于西方理论界对商业银行业务创新研究的"冷",我国的商业银行业务创新研究正方兴未艾。系统梳理我国商业银行业务创新的近期研究,对业务创新活动的基础及制约因素进行了分析,并对现有商业银行业务创新的领域进行了归纳总结,具体来说可以细化为:商业银行适应环境变化所进行的业务创新;商业银行业务市场细分所进行的业务创新;商业银行选择合作伙伴后进行的业务创新;操作平台变化后的商业银行业务创新。与西方的研究对比,我国的研究热点较多,但较为分散,缺乏系统性是我国现有商业银行业务创新研究的薄弱之处。

Currently, the research on commercial banks＇ business innovation is inheriting and intensifying the research on financial innovation. Compared to the unpopular research on commercial banks＇ business innovation in western academia, the research on commercial banks＇ business innovation in China is rising. The paper analyzed recent study on China＇s commercial banks＇ business innovation and analyzed business innovation basis and restriction factors and then summarized current business innovation. These innovation include, business innovation facing changing environment, business innovation in response to market segmentation, business innovation after commercial banks＇ selection of cooperation party, and business innovation after commercial banks＇ change of operating platforms. Compared to the study in western countries, research hotspots in China are abundant but are decentralized, and lack of empirical study is the weakness of China＇s current research on commercial banks＇ business innovation.