【摘要】 本文通过对我国商业银行金融创新的必要性、现状与特点的分析,从商业银行和监管当局两个层面提出了在我国已加入WTO的背景下推进金融创新的政策建议,即商业银行应从产品、技术、组织与管理等方面进行创新,同时监管当局也要完善监管,为微观金融创新提供制度环境。更多还原

【Abstract】 This paper analyzes the necessity,present state and feature of commercial banks of China, then puts forward some policy suggestions to promote financial innovation from two aspects under the background of China’s entry into WTO.Commercial banks should improve product、 technology、 organization and management innovation,at the same time ,the financial supervisor should improve supervision in order to create the suitable institutional conditions for micro financial institutions.更多还原