开放条件下商业银行的金融产品和服务创新

开放条件下，商业银行的金融创新（主要指金融产品和服务的创新）日益成为银行获取核心竞争力、参与市场竞争的重要手段。金融创新的发展对创新主体、监管者甚至整个金融市场都提出了新的要求和挑战。本文从金融创新的含义界定、动因分析和发展历程追溯入手，探讨了我国商业银行金融创新的趋势、创新中应当关注的问题和创新外部环境建设的有关问题。

Financial Products and Service Innovation for Commercial Banks with Open-door to Outside of World

Under the terms of financial opening-up,financial innovation (mainly means financial products and services innovation) in commercial banks is becoming a key way to win core competence.The development of financial Innovation increasingly raises new require- ments and challenges to innovation bodies,regulators even the whole financial market.This paper starts with the definition,motivation and evolvement of financial innovation to discuss the financial innovation trend,problems and concerns during innovation process and the con- struction of external environment for innovation.