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、两头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，在全部银行资产负债业务中的占比不大，难以达到优化结构、提高全体经营效益的初衷。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：Businessinnovationistheimportantaspectoffinancialinstitutionreformandinnovation,theshareholdingsystemreformofstate-ownedcommercialBanksinChinaatthepresentstagealthoughworkhasenteredasubstantivestage,butinthedevelopmentofbusinessinnovationandmanagementstillexistsomeloopholesanddefects.Inthefinancialindustryinourcountry,commercialBanksisoneofthemostimportantfinancialinstitutions.ThesourceoflifeforthefuturedevelopmentofcommercialBanksisitsfinancialbusinessinnovationability.Butfromthepointofthepresentsituationofthestate-ownedcommercialBanks,therearestillasingle,highcostofcapitalassetsbusiness,intermediatebusinessisrelativelybackward,andsoon.Especiallytheslowerpaceofbusinessinnovation,setupnewbusinessvarieties,smallsize,lowprofits,thelessproportioninthewholebankassetsandliabilitiesbusinessisnotbig,difficulttoachievethepurposeoftheoptimizestructure,improveoveralloperatingefficiency.Tothisend,Ifromtheanalysisofthepresentsituationofstate-ownedcommercialBanksbusinessinnovation,thecurrentproblems,difficultiesandcountermeasurestomakesomepreliminarydiscussion.Keywords：State-ownedcommercialBanks;Businessinnovation;thinking目录TOC\o"1-3"\h\uHYPERLINK\l_Toc236381绪论PAGEREF_Toc236382HYPERLINK\l_Toc209752商业银行业务创新概述PAGEREF_Toc209753HYPERLINK\l_Toc213682.1商业银行业务创新的品种PAGEREF_Toc213683HYPERLINK\l_Toc219732.1.1本钱业务创新PAGEREF_Toc219733HYPERLINK\l_Toc286782.1.2存款业务创新PAGEREF_Toc286783HYPERLINK\l_Toc233052.1.3贷款业务创新PAGEREF_Toc233054HYPERLINK\l_Toc217422.2商业银行业务创新的必要性PAGEREF_Toc217424HYPERLINK\l_Toc162282.2.1商业银行应考虑通过创新树立“先发优势”PAGEREF_Toc162284HYPERLINK\l_Toc73562.2.2外部环境的压力迫使商业银行进行业务创新PAGEREF_