知识经济时代商业银行的金融创新

随着知识经济的到来，商业银行的经营环境已发生了深刻的变化，银行将告别高利润低风险时代而真正进入微利和挑战风险的时代。而商业银行要想在新的条件下寻找新的发展和持续增长，就必须尽快突破现有经营模式和发展战略，进行大规模、大力度的金融创新。因此，金融创新是知识经济时代商业银行的生存哲学。

Financial innovation of Commercial Banksin the Knowledge-Based Economy

With the coming of knowledge-based economy, the operating environment of commercial banks has been greatly changed. The age of high profit and low risk has gone. Commercial banks begin to enter into an age of meager profit and challenging risks. In order toachieve new development and sustaining growth, commercial banks have to break through current operating mode and developing strategies through financial innovation. Therefore,financial innovation is the philosophy of existence for commercial banks in the knowledge based economy.