我国商业银行经营创新的现状

Comments on Management Innovation of Commercial Banks

商业银行业务创新要从加强金融工具创新和经营业务创新入手，通过金融机构之间的投资和业务配合，打破金融经营的界限，组建综合性金融控股公司以达到降低成本分散风险，从而提高我国商业银行的整体竞争力。

The management innovation of commercial banks should begin with the innovation of financial tools and operation. To increase the entire compatibility of the commercial banks in China, the following measures can be taken, such as setting up mutual investment and cooperation between the financial organizations to break the limits of financial management, building comprehensive financial holding companies， innovating the management, decreasing the management cost and dispersing the management risks.