对国有商业银行业务创新的思考摘要：业务创新是金融机构改革创新的重要方面，现阶段我国国有商业银行股份制改革工作虽然已进入了实质性阶段，但在业务创新的开发和管理方面还存在一些缺陷和漏洞。在我国金融行业中，商业银行是最重要的金融机构之一。而商业银行未来发展的生命源泉就是是它的金融业务的创新能力。但从国有商业银行的现状来看，仍然存在着资产业务单一、资金成本高、中间业务相对落后等问题。特别是业务创新的步伐较慢，开办的新业务品种少、规模小、收益低，在整个银行资产负债业务中的占比不大，难以达到优化结构、提高整体经营效益的初衷。为此，本人拟从分析国有商业银行业务创新的现状入手，就当前存在的问题、难点与对策作些初步探讨。关键词：国有商业银行；业务创新；思考Abstract：Business innovation is the important aspect of financial institution reform and innovation, the shareholding system reform of state-owned commercial Banks in China at the present stage although work has entered a substantive stage, but in the development of business innovation and management still exist some loopholes and defects. In the financial industry in our country, commercial Banks is one of the most important financial institutions. The source of life for the future development of commercial Banks is its financial business innovation ability. But from the point of the present situation of the state-owned commercial Banks, there are still a single, high cost of capital assets business, intermediate business is relatively backward, and so on. Especially the slower pace of business innovation, set up new business varieties, small size, low profits, the less proportion in the whole bank assets and liabilities business is not big, difficult to achieve the purpose of the optimize structure, improve overall operating efficiency. To this end, I from the analysis of the present situation of state-owned commercial Banks business innovation, the curre...
