“十二·五”时期商业银行业务创新与技术创新的融合

“十二五”期间商业银行机遇与挑战并存。要改变传统上依靠资本消耗的增长模式，银行唯有坚持不断创新，提高核心竞争力。“十二互”期间我国银行业要在管理创新、产品和服务创新、渠道创新等方面有所突破，必须加强业务创新与技术创新的融合。因此，商业银行需要从战略层面保证IT战略、IT架构和银行总体战略一致，加强信息标准化和信息整合，加强和完善IT治理，加强IT风险管理，改进内部创新机制，加强复合人才培养，以业务创新引领信息技术创新，以信息技术创新推动业务创新，推进业务创新和技术创新的相互促进和融合。

The Integration of Commercial Bank's Business Innovation and Technology Innovation during the 12th Five-year Plan Period

Banks face opportunities and challenges during the 12th Five-year plan period.Banks should change the traditional growth model and improve core competitiveness by innovation.China's banking industry should strengthen the integration of business innovation and technology innovation to achieve breakthrough in management innovation,product and services innovation,and channel innovation.To promote the interactive integration of business innovation and technology innovation,commercial banks should ensure the ove...