对我国商业银行金融创新的几点思考

“创新”日益成为社会发展最重要的主题。金融创新作为创新的重要组成部分,对社会经济特剐是金融业的发展起着举足轻重的作用。商业银行是金融体系的主体,商业银行的金融创新无疑是金融创新的关键。本文意从我国商业银行金融创新的动因、存在的困难、双刃性影响以及发展的方向和重点等诸多方面进行探讨,旨在为商业银行进行金融创新提供一些参考。

On Financial Innovation of Commercial Banks in China

Innovation has become one of the most important themes of social development. Financial innovation, one of the important components of innovation, has played an important part in the development of social economy, especially the financial industry. Commercial banks make up the main part of the financial system; the financial innovation of commercial banks undoubtedly is the key to financial innovation. This article mainly discusses the reasons of financial innovation of commercial banks in China, the existing difficulties, the double influences, the developing orientation and key points, etc. aiming at offering some references for financial innovation of commercial banks.