【Abstract】:Successful experience of business innovation, commercial bank of developed country is analyzed, at first. Four major characteristics are summarized from system mechanism and direction of its innovation. Then analyzed the current situation of business innovation of state-run. From property relations, system inside the bank, technological means, etc. six respects point out restriction factor of business innovation. According to these questions, propose state-run commercial bank basic trains of business innovation are brought out from three respects. At last, some assurance of regimen to which promote the business innovation are stated.
【Key words】: commercial bank ; business innovation; intermediation business