摘要
经济增速放缓、利率市场化改革推进、互联网金融冲击、混业经营监管呼之欲出使商业银行业务创新面临着新的机遇和挑战。在系统梳理商业银行业务创新的理论基础上,追踪考察了新常态背景下国内商业银行业务创新领域的最新动态,对我国商业银行业务创新给出建议:集中企业优势,做优细分市场;相机抉择主动还是被动创新;慎选合作伙伴,联合业务创新;传统业务与创新业务融合发展。
The commercial bank innovation is facing the new opportunity and challenge: the economic growth slows down,reform of interest rate liberalization was pushed forward,internet financial shocks,and mixed operation supervision is coming up. On the basis of systematic arrangement of commercial banks' business innovation,this paper inspected the latest news of domestic commercial banks business innovation under the background of the new normal; and gave some suggestions on commercial banks' business innovation: centralize the enterprise advantage and optimize the market segmentation; discretionary choice the initiative or passive innovation; select partner carefully and joint business innovation; integrative develop the traditional business and innovative business.
出处
《金融教育研究》
2017年第6期3-8,共6页
Research of Finance and Education
基金
辽宁省教育厅资助项目"商业银行业务创新--基于PPP项目的视角"(2016ldxy03)
关键词
新常态
商业银行
业务创新
金融创新
new normal
commercial bank
business innovation
financial innovation
