对我国商业银行金融创新的思考

金融创新不仅是我国商业银行满足市场经济的需要，也是应对外资银行的冲击、求得生存与发展的必然选择。改革开放以来，我国商业银行在金融制度、金融业务、金融技术方面进行了一些创新，但与我国社会主义市场经济的内在要求和加入WTO的要求相比，仍存在一些突出问题，需要进一步加大银行业的市场化改革力度，提高竞争程度，放松金融管制，加大金融业务创新和技术创新力度，完善金融法律法规。

Thoughts on the Financial Innovation of China's Commercial Banks

Innovation is the core of modern banks in the 21st century.Financial innovation is not only the requirements for the commercial banks to meet market economy but also the inevitable choice to deal with the impact of foreign banks for the survival and development.Since reform and opening to the outside world,China's commercial banks have innovated in financial institution,financial business and financial technology,but there still exist some problems that China's banking can't meet the requirements of socialist market economy and China's accession into WTO in the following aspects such as lack of the internal motivation and external pressure,the social credit environment not good enough and lag of financial legislation and lack of high-quality financial talents.We should enhance the reform of marketization of banking,improve the competitiveness,release the financial supervision,strengthen the financial business innovation and technology innovation to perfect the legislation of finance.