对我国商业银行金融创新问题的思考

阐明了金融创新理论的定义，针对我国商业银行金融创新中存在的一些问题，解释了金融创新的动因及其主要内容，指出了我国商业银行金融创新应该注意的几个问题：一是要讲求实效，二是要有成本观念，三是要合理规避金融监管，四是应用先进的管理方法和高科技手段，五是要分层次逐步进行。

Considerations about the Financial Innovation of Our Country''''s Commercial Banks

This paper expounds the definition of the theory of financial innovation and, in the light of some problems existing in financial innovation of our country's commercial banks, explains the agent and main contents of financial innovation, and points out several matters needing attention in financial innovation of our country's commercial banks, the first is to emphasize practical results, the second is to establish the cost concept, the third is to evade financial monitoring rationally, the fourth is to apply advanced management methods and high-tech means, the fifth is to make gradual financial innovation on different levels.