中国商业银行金融服务创新体系研究

The Research of Financial Service Innovation System of Commercial Banks of China

由于商业银行之间的竞争日益激烈,创新金融服务成为当前商业银行的共识。如何根据商业银行的自身优势及其客户需求,创新金融服务与产品,提升商业银行的市场竞争力,促进其利润的增加成为亟待解决的重要问题。本文在分析中国商业银行金融服务存在的问题基础上,探究商业银行金融服务创新的必要性和基本路径,设计了一种具有正循环反馈机制的商业银行金融服务创新模型。

Due to the increasingly fierce competition between commercial banks,financial service innovation has become the consensus of commercial banks.However,it is an important problem to be solved that how to innovative financial services and products according to the advantages of commercial Banks and their customers’needs and promote the market competitiveness and the profit of commercial banks.This paper discusses the necessity and basic path of commercial financial service innovation and designs a financial service innovation model with a positive loop feedback mechanism based on the analysis of the existing problems among the financial services of commercial banks.