文档介绍：河北大学
硕士学位论文
我国商业银行金融业务创新研究—次贷危机后的思考
姓名:陈芳
申请学位级别:硕士
专业:金融学
指导教师:康书生
20100501
摘要
摘要
随着我国金融业的对外开放和金融自由化进程的加快,越来越多的外资银行进入我
国,其较为领先的优质业务带来的高效益与国内商业银行形成鲜明的对比,给我国商业
银行带来极大的挑战和冲击。因此,金融业务创新就成为国内商业银行与外资银行竞争
的关键,在创新中谋发展已成为商业银行走向成功的必由之路。
我国商业银行的金融业务创新正在稳步推进,并取得一定的成就,但与世界发达国
家相比,还有很大差距,仍存在许多问题,如:原创性创新缺乏,创新效率不高;创新
主体缺位,创新内在动力不足;创新重数量轻质量;缺乏金融业务创新的综合性人才,
这主要受到商业银行自身运营状况与外部环境内外两方面因素的制约。
本文从一个新的视角即金融创新角度去透视次贷危机,从中就我国商业银行金融业
务创新得到几点启示,一要充分认识金融创新的“双刃剑”作用;二要构建以核心业务
为基础的多元化业务体系;三要打好金融业务创新的根基;四要建立和完善征信体系;
五要提高风险防范意识,加强风险管理;六要完善金融业务创新的信息披露制度;七要
加强金融监管与市场约束。最后,结合这些启示,并联系我国实际,提出商业银行金融
业务创新的对策,即本着以市场为导向,以客户为中心,利润最大化及风险性原则,通
过理念创新,业务创新,管理创新来优化商业银行金融业务创新的内部环境;并通过加
强银证保三业合作,创新监管模式,推进利率市场化,建立和完善社会信用体系来完善
商业银行金融业务创新的外部环境。

关键词商业银行金融创新次贷危机银行业务创新
I
Abstract
Abstract
With the opening of China's financial industry and the acceleration of the process of financial
liberalization, more and more foreign banks entered China, their high benefits brought by the
leading high-quality business contrasts sharply with mercial banks,and brings
great challenges and impact to them. Therefore, financial business innovation has e the
key that the mercial pete with the foreign banks. Seeking
development from innovation has e the only way in which mercial banks
eed.
The financial business innovation in China'mercial banks is impelled steadily, and has
achieved some ess. But there is still a big gap between the developed countries and us.
There are still many problems that the original innovation is less and the innovation efficiency
is low;innovation principal part is absent and intrinsic motivation of innovation is
inadequate;innovation emphasizes on quantity rather than quality;prehensive talent for
financial business innovation are absent. These problems are mainly restricted by two
factors,the internal factor is the operating conditions of mercial banks and the external
factor is the external environment.
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