The Study On The Strategy Of China Commercial Bank's Finance Innovation

The finance is the core of modem economy, the development level of finance industry decides the development level of national economy. In China, Commercial bank is most important in finance industry, and the innovation ability of bank is the foundation of its development and management. The commercial bank only has carries on the financial innovation unceasingly, and provides the financial product or the financial service which meets the market requirement, can it be to the invincible position in the market competition. The commercial bank developing the new financial product and providing the new service unceasingly to meet the customer's need is also the important premise of guaranteeing the bank competitive ability.This paper studies the question and the strategy of our commercial bank's finance innovation from the financial innovation practice and theory, on the base of domestic and foreign research present situation. Firstly, elaborated the agent, the condition, the content of commercial bank's finance innovation, then analyzed the management condition of our country's commercial bank and the development present situation of financial innovation, has emphasis on analyzing the question and the restriction factor of the finance innovation in our country's commercial bank. Finally, in the foundation of theoretical analysis and modeling foreign development experience of finance innovation, considering the Chinese finance national condition fully, attempts to propose the mentality and the strategy to deepen our commercial bank's finance innovation.