Research on Service Innovative of Our Country’s commercial Bank
Abstract: Our country Commercial Banking industry undergoes many year reforms, made the achievement progress which attracted worldwide attention to increase largely, the loan quality had the obvious promotion, the management structure and the incentive mechanism consummates unceasingly, the capital strength was even more formidable. However, facing future market’s steep competition, Our country Bank may be conservative and complacent in no way, needs to prepare for——to carry on the service innovation ahead of time. Based on this premise, the author has carried on the review to the commercial banking innovation’s theory achievement and established the commercial banking innovation rationale, and then proposed the commercial bank innovation inevitability and the practical significance. The author summarized our country commercial banking present situation and the West commercial banking survey afterward, through this kind of relapse’s contrast, the excavation and the outstanding service structure’s disparity, the place which enhanced in view of our country commercial banking existence’s actual problem and urgently needing embarks, obtained China commercial banking innovation principle and the specific measures. Certainly, during the innovation author paid attention to the service innovation’s risk. Insisting that carries on the service innovation under the risk controllable premise, sharpens our country commercial bank’s international competition ability earnestly, realizes the function that bank own growing strong finally and supports the Chinese economic development.
Key Words:Commercial bank,Service innovation,Risk-controlling