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1、商业银行金融服务创新及应用分析 自改革开放以来，金融业服务创新收到了全球各大商业银行的追捧，并逐渐成为了商业银行提高核心竞争力的重要组成部分。我国商业银行在面临国内外激烈市场竞争的同时，还需要创新商业银行的金融服务，才应对金融全球化的风险。因此，分析商业银行金融服务创新的重要性，并找到金融服务创新的具体措施显得非常重要。 一、商业银行金融服务创新的必要性 其一，商业银行金融服务创新是扩大市场和增加利润的内在需要。就目前的情况分析，商业银行面临着巨大的机遇与挑战，不仅要应对国内外激烈的市场竞争，同时还必须通过创新银行的金融服务提供多样化的金融产品来满足客户日益增长的需求。 其二，金融服务创新是我
2、国商业银行适应经营环境的变化的需要。社会投资渠道的变化将直接导致商业银行的经营范围大大缩小。利率水平的降低使银行的利差空间进一步缩小。如果商业银行只靠利差发展的话，会很难长期、稳定生存与发展。 其三，金融服务创新是顺应客户变化的需要。随着科学技术的成熟与发展，客户获取的金融知识越来越多，对金融服务的鉴别能力也越来越强。如果银行缺乏持久的创新服务，将很难满足客户对金融服务的需求。 二、商业银行金融服务创新中存在的问题 金融品种单一 现阶段，商业银行在金融服务创新的过程中金融品种比较单一，还处于初级的发展阶段，在消费信贷、网上银行或者衍生金融工具业务方面还不成熟。另外，我国商业银行金融服务相关的业
3、务规模还比较小，在银行的整体业务规模中占有的比重非常低。从整体情况来看，商业银行金融服务相关业务整体规模还需要进一步发展。 服务创新能力弱、方式单一 目前，商业银行金融服务的创新能力弱，服务方式单一，不能满足客户金融服务的需求。办事效率低，办理业务等待的时间长，造成客户普遍的抱怨。同时，商业银行的服务产品比较单一，不具有多样性与灵活性的特点，不能适应客户对金融服务的需求。另外，科技开展的动力不足也直接制约了优质服务的开展。 业务创新不均衡 资产业务主要是指运用货币资本来不断获取利润业务，主要是由现金资产、证券投资或者放款等部分组成。从商业银行金融创新得角度分析，商业银行金融服务创新主要是经济市
4、场竞争激烈，出现了很多负效益的金融创新。与国外商业银行相比，我国商业银行金融服务的中间业务主要是汇兑、结算等业务。近年来，中间业务是一个发展比较快的业务，其业务的发展已经超过了大大的传统业务，导致业务创新部均衡的问题一直存在。 三、商业银行金融服务创新的对策 立足市场及客户 商业银行的金融服务创新就是要不断增强自身的实力，提高自身的核心竞争力。因此，立足于市场，将市场中的每一项金融产品与客户紧密联系在一起，同时与追求经营效益最大化结合在一起，在要求金融服务创新的同时，不仅要考虑实际的情况，同时还要结合市场的需求与消费者的需求，从而才能提高银行的核心竞争力。 创新服务产品 商业银行可以从几下几个
5、方面财务产品创新的措施。一是改进，改进商业银行的金融服务产品，通过不断优化、升级的方式来不断满足经济市场的发展。二是移植，结合商业银行自身的实际情况，借鉴国外或者其他地区银行的金融服务措施，最后制定并落实适合自己的金融创新服务体系。三是创造，创造就是独创出被人还没有的服务产品。从整体上来看，创造才是创新的根本，也是竞争中保持领先的法宝，只有这样才能有效的赢得市场。 平衡业务间创新比重 加大存款业务创新。首先，对商业银行存款产品以及业务的手段进行创新，大力发展金融服务业务，比如：个人银行、网上银行等业务，推出多样化、多功能的金融服务产品，从而才能稳定现有的客户群，不断满足客户的金融服务需求。其次
6、，通过大大提高商业银行阶段以及汇兑服务的效率来保住自己在市场中的份额。然后，快速增加代理业务的服务种类，不断扩大中间业务的服务范围。最后，大力发展商业银行的租赁业务，并根据商业银行实际的发展情况，将杠杆租赁、经营租赁以及回租租赁等业务进行拓展，满足客户的需求。 另外，商业银行的各个窗口都应该开办各种咨询业务，利用专业的优势以及不断发展的信息网络来对企业或者个人开展相关的资产管理以及负债管理、风险控制或者投资组合设计等多种咨询的相关服务。 四、结语 经上所述，我国经济的快速发展，使我国商业银行正面临着前所未有的发展机遇和挑战。但商业银行在金融服务创新上相对更为薄弱。因此，商业银行要不断适应新的经
7、营环境，对各种金融服务创新都要进行组合与深入的改革，从而才能在经济市场中的各个领域建立适合自身发展的金融产品以及经营管理的方法。总之，只有创新商业银行的金融服务，才能使其实现经济效益和社会效益最大化。 Since the reform and opening up, the financial services innovation has received the worlds major commercial banks sought after, and gradually become an important part of the core competitiveness of c
8、ommercial banks to improve. Chinas commercial banks in the face of fierce market competition at home and abroad, but also the need to innovate the financial services of commercial banks, to deal with the risk of financial globalization. Therefore, it is very important to analyze the importance of fi
9、nancial service innovation of commercial banks and find out the concrete measures of financial service innovation. First, the necessity of financial service innovation of commercial banks First, the financial service innovation of commercial banks is to expand the market and increase the profit of t
10、he inner needs. On the current situation analysis, commercial banks faced with great opportunities and challenges, not only to deal with the intense market competition, must also be through innovation of banking financial services provide diversified financial products to meet growing customer deman
11、d. Second, financial service innovation is the need of Chinas commercial banks to adapt to the change of business environment. Changes in social investment channels will directly lead to the business scope of commercial banks greatly reduced. Lower interest rates to reduce the spread of the bank to
12、further narrow the space. If the development of commercial banks only rely on the spread of words, it will be difficult to long-term, stable survival and development. Third, financial service innovation is to adapt to the needs of customer changes. With the maturity and development of science and te
13、chnology, more and more financial knowledge acquired by customers, the ability to identify financial services is also growing. It will be difficult to meet customer demand for financial services, if banks are short of lasting innovative services. Two, commercial bank financial service innovation pro
14、blems (a) financial variety At this stage, commercial banks in the process of financial services innovation in the financial variety is relatively simple, still in the primary stage of development, in consumer credit, online banking or derivative financial instruments business is not mature. In addi
15、tion, Chinas commercial bank financial services related to the size of the business is still relatively small, the overall size of the banks business in a very low proportion of. From the overall situation, the overall size of the commercial bank financial services related businesses also need to be
16、 further developed. (two) the service innovation ability is weak, the way is single At present, the innovation ability of financial services of commercial banks is weak, and the service mode is single, which can not meet the demand of customer financial services. Low efficiency, long time to handle
17、the business, resulting in widespread customer complaints. At the same time, the service products of commercial banks are relatively single, not with the characteristics of diversity and flexibility, can not meet the needs of customers for financial services. In addition, the lack of power of scienc
18、e and technology has also directly restricted the development of quality services. (three) business innovation is not balanced Asset business mainly refers to the use of monetary capital to continue to obtain profit business, mainly by cash assets, securities investment or loans and other parts of t
19、he composition. From the angle of financial innovation of commercial banks, the financial service innovation of commercial banks is mainly the competition of economic market, and there are many negative benefits of financial innovation. Compared with foreign commercial banks, Chinas commercial banks
20、 in the middle of the financial services business is mainly foreign exchange, settlement and other services. In recent years, the intermediate business is a relatively fast development of business, the development of its business has exceeded the traditional business, leading to the problem of the b
21、alance of business innovation has been there. Three, commercial bank financial services innovation countermeasures (a) based on the market and customers The financial service innovation of commercial banks is to continuously enhance their own strength and improve their core competitiveness. Accordin
22、gly, based on in the market, the market in each of the financial products and the customers closely together, and the pursuit of maximum profit together, requirements of financial service innovation at the same time, not only to consider the actual situation, but should combine with the needs of the
23、 market and consumer demand, thus to improve the core competitiveness of the bank. (two) innovative service products Commercial banks can be from several aspects of financial products innovation measures. One is to improve, improve the financial services of commercial banks, through continuous optim
24、ization, upgrading the way to constantly meet the development of the economic market. Two transplant, combined with the actual situation of commercial banks themselves, learn from foreign banks and other regional financial services measures, and finally to develop and implement their own financial i
25、nnovation service system. Three is to create, to create the original is not yet the service products. From the overall point of view, the creation is the fundamental innovation, but also to maintain the leading competitive magic weapon, the only way to effectively win the market. (three) to balance
26、the proportion of business innovation Increase the deposit business innovation. First, the means for commercial bank deposit products and business innovation, www.fjstone.org vigorously develop the financial services business, such as: personal banking, online banking, and other services, the introd
27、uction of diversification, multi function of financial services products to stable existing customer group, continue to meet customer demand for financial services. Second, by greatly improving the efficiency of commercial banks and foreign exchange services to keep their share in the market. Then,
28、a rapid increase in the service types of agents, and constantly expand the scope of services in the middle of the business. Finally, vigorously develop the leasing business of commercial banks, and according to the development of commercial banks, the leveraged lease, operating lease and sale and leaseback and business development, to meet customer needs.
