浅析制约国有商业银行金融创新的因素及对策

创新是金融业发展的永恒主题，是推动国有商业银行持续发展不竭的动力。我国国有商业银行在金融创新过程中却存在许多突出问题以及产权、金融管制等因素的制约。面对金融全球化趋势和加入WTO后外资金融机构的激烈竞争，如何推进我国国有商业银行金融创新的发展，解决其金融创新中出现的问题与制约因素就成为当前必须关注的重要问题。

Analyse the factors and the countermeasures restrict the state-owned commercial bank finance innovation

Innovation is the key to the development of financial industry. During the reform of state - owned commercial bank in China , a series of problems arise due to the constraint of property right, financial regulation. With the acceleration of globalization and faced with tbe fierce competition after Chinas accession into WTO, a proper and prompt solution to these problems is essential to the development of state - owned commercial bank .