The Business Innovation And Risk Analysis Of Commercial Banks In China

Business innovation of Commercial banking meant that commercial banks exerted new thinking, new approaches and new technologies to the financial product or service in the way of financial product or service, transaction and other innovated activities to achieve the operating profit maximized. Although in the world the banking system were similar, commercial banks of each country would put forward proper business innovation according to their own country and the development of international banking, so as to keep the banking of their country competitive.The paper first introduced business innovation, then described the condition of business innovation both in and outside the country. Also it introduced the trend of business innovation of commercial banking. Meanwhile, according to the actuality of our country, in the paper the risks for both the business in and outside the balance sheet were analyzed and some suggestions for the business innovation were given and the protection of the risks. With the development of the business of commercial banking in our country and the opening of the financial market, it was very important to research the business innovation of commercial banking in China.The first part was the economic analysis of the business innovation of commercial banking. The concept of business innovation was introduced. Then according to the actuality, the innovation of commercial banking in China was analyzed in the view of demand and supply. The change of the economics pattern of our country supported the business innovation of commercial banking. As the promise to join in WTO, the financial market of China would be open step by step. This was also the stimulation for financial...