【摘要】 中国加入WTO ,将对我国的金融业带来机遇和挑战。国有商业银行不仅在体制上面临着激烈的竞争 ,而且在金融创新上必将受到巨大的冲击 ,因此 ,高度重视国有商业银行推进金融创新问题 ,在新的竞争平台上 ,构建新的运作模式 ,突出自身经营特色 ,开拓出有发展空间 ,尽快提高金融创新的能力 ,应付WTO带来的诸多挑战 ,对中国银行未来的发展举足轻重 ,本文就中国加入WTO后的金融创新面临的挑战 ,目前金融创新存在的问题进行了有益的探讨。提出了应对策略和今后发展的方向更多还原

【Abstract】 China’s banking industry will surely face opportunities and challenges after China joined World Trade Organization (WTO). National commercial banks face fierce competitions not only on systems, but also great influence in financial innovation. So it is very important for China’s national commercial banks to pay great attention to the question of financial innovation and to set up new operation scheme on a new competitive platform. Banks must have their unique feature of products and services to survive and develop. Banks must enhance their financial innovation ability to meet the challenges posed by WTO. As for the challenges faced by financial innovation since China joined WTO, the paper conducts a worthwhile discussion on the question of financial innovation and presents some countermeasures and long-term direction.更多还原