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加入WTO至今,我国金融业已全面对外开放,外资银行大量涌入,以及国内非银行金融机构对银行业务的争夺,对我国商业银行生存环境提出了严重的挑战。面对激烈的市场竞争,交通银行徐... 加入WTO至今,我国金融业已全面对外开放,外资银行大量涌入,以及国内非银行金融机构对银行业务的争夺,对我国商业银行生存环境提出了严重的挑战。面对激烈的市场竞争,交通银行徐州分行如何进行金融创新,尤其是金融业务的创新,是其必须面临的问题。论文的第一部分先对商业银行业务创新的基本理论和交通银行徐州分行的基本情况进行了简单介绍;第二部分通过对交通银行徐州分行具体的业务创新现状进行分析,论述其业务创新的必要性;第三部分总括归纳出交通银行徐州分行在业务创新中存在的问题,并针对业务创新可能引起的风险进行了探讨;第四部分针对二、三部分提出的各种问题及风险,针对性地提出业务创新和防范风险的对策。 展开
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Accession to the WTO so far, China's financial opening to the outside world has been full, the influx of foreign banks and domestic non-bank financial institutions in the banking business for the living environment of China's commercial banks raised a serious challenge. Faced with fierce market competition, Bank of Communications Xuzhou branch how to conduct financial innovation, especially the financial business innovation, is to face the problem. Papers to the first part of the commercial banking business innovation and the basic theory of the basic branches of the Bank of Communications Xuzhou conducted a brief second part by specific branches of Bank of Communications Xuzhou the status of innovations in business analysis, on their business innovation Necessity of the third part of a nutshell summed up the Bank of Communications branch in Xuzhou in the innovation business, and for innovations in business may cause the risks were discussed; Part IV for second and third parts of the various problems and risks, Targeted to business innovation and risk prevention measures.

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Joins WTO until now, our country financial industry comprehensive opening to the outside world, the Foreign bank has emerged massively, as well as the domestic non-bank financial institutions to mechanics of banking's contention, presented the serious challenge to our country Commercial bank living environment. Facing the intense market competition, how does the Communications Bank Xuzhou branch carry on the financial innovation, particularly the financial service's innovation, is the question which its must face. The paper first part first has carried on the simple introduction to the commercial banking innovation's elementary theory and the Communications Bank Xuzhou branch's basic situation; The second part through carries on the analysis to the Communications Bank Xuzhou branch concrete service innovation present situation, elaborates its service innovation necessity; The third part sums up induces the Communications Bank Xuzhou branch the question which exists in the service innovation, and aimed at the risk which the service innovation possibly caused to carry on the discussion; The fourth part each kind of question which and the risk in view of the second, third part proposed, pointed proposes the service innovation and the guard risk countermeasure.
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Accession to the WTO so far, China's financial opening to the outside world has been full, the influx of foreign banks and domestic non-bank financial institutions in the banking business for the living environment of China's commercial banks raised a serious challenge. Faced with fierce market competition, Bank of Communications Xuzhou branch how to conduct financial innovation, especially the financial business innovation, is to face the problem. Papers to the first part of the commercial banking business innovation and the basic theory of the basic branches of the Bank of Communications Xuzhou conducted a brief second part by specific branches of Bank of Communications Xuzhou the status of innovations in business analysis, on their business innovation Necessity of the third part of a nutshell summed up the Bank of Communications branch in Xuzhou in the innovation business, and for innovations in business may cause the risks were discussed; Part IV for second and third parts of the various problems and risks, Targeted to business innovation and risk prevention measures.
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