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金融创新的最基本动力就是商业银行的竞争,它是提高银行核心竞争力的重要手段。伴随着我国经济的不断发展,我国商业银行所面临的竞争越来越强烈,这一竞争不仅体现在银行内部同时还包含了银行外部和资本市场的竞争。就此,笔者认为在面对如此严峻的环境下,商业银行必须从制度、观念、金融工具等几个方面进行不断的创新,提高银行的竞争力。
The most basic driving force of financial innovation is the competition of commercial banks, which is an important means to improve the core competitiveness of banks. With the continuous development of our economy, the competition facing our commercial banks is becoming more and more intense. This competition is not only reflected in the bank but also in the competition between the bank and the capital market. In this connection, I believe that in the face of such a harsh environment, commercial banks must constantly innovate from the aspects of systems, concepts and financial instruments to enhance the competitiveness of banks.