我国商业银行金融产品的创新情况及其应对策略探讨

Financial Product Innovation of Commercial Banks in China and the Countermeasures

结合我国商业银行金融产品创新发展现状,剖析了我国商业银行金融产品创新主要受法制、监管、市场、技术等制约,为提升商业银行的市场地位,有效提高商业银行的市场竞争能力,通过增加创新产品种类,提高科技创新层次,完善金融产品创新制度体系,加强风险管理意识,以期对商业银行的发展起到促进作用。

B ased on the present situation o f financial product innovation o f com m ercial banks in C hina,this p ap er analyses the m ain restrictive factors from the aspects o f legal system,supervision,m arket and technology.In order to enhance the m ark et position and com petitiveness o f com m ercial banks,it puts forw ard some m easures,including increasing the variety o f financial product,m aking full use o f technological m eans,perfecting the system o f financial product innovation,strengthening the aw areness o f risk m anagem ent,and so on.