我国商业银行金融科技创新发展策略研究

金融创新既能提高商业银行的核心竞争能力,也能有效促进商业银行的科学健康发展,促进金融行业的繁荣,但是,事情都具有两面性,商业银行的金融创新亦如此。基于此,结合我国商业银行金融创新的实际情况加以分析,针对潜在的风险提出相关控制策略迫在眉睫。文章从市场风险管理,金融监管力度,让防范化解金融风险,注重创新型人才培养,积极开展业务创新,增强与非金融机构之间的合作意识,产业基金等几点加以探讨,旨在为商业人士提供有价值的参考。

As everyone knows, financial innovation can lift the core competiveness of commercial bank, and promote the scientific and healthy development of it and the prosperity of this industry as well. However, everything has two sides, so does the financial innovation of the commercial bank. It faces both the opportunities and challenges during its development with a high risk.The negative effects generated during this process forces the bank facing various crisis, or directly affect its development. On the basis of this, analyzing the practical situation of the financial innovation of commercial bank in China, it is extremely urgent to offer relevant control strategies aiming at potential risks. Thus, this article details in following aspects： management of market risk, enhancement of financial supervision, problem analysis, targeted work of risk precaution and solution, personnel training, construction around the ecosystem, actively carrying out business innovation, enhancement of cooperative awareness with non- financial institution and industry funds, etc, in order to promote some useful reference for business people.