2008年美国的次贷危机引发了世界范围内的金融海啸，对于金融产品的创新再次引起了人们的广泛关注。
本文从金融创新的基本原理入手，简述了金融创新的主要形式，重要性和意义。分析了目前我国商业银行金融产品的经营现状，并以实例说明了创新型产品的缺陷和争议所在。在此基础上确定了我国商业银行金融产品创新未来的发展方向，即为客户量身打造，进行金融产品组合；重点拓展个人业务创新。最后针对上述研究提出了我的一些建议和对策。
关键词：金融创新，个人业务，风险管理
ABSTRACT
In 2008,the subprime mortgage crisis lead to the world’s financial crisis, people began to pay attention to the finance innovation. The article begin with the basic principle of finance innovation, giving a brief introduction of its main forms, importance and meaning. And then, analyzing the present operating situation of finance product in commercial bank and give an example of its defects and controversies. On this basement, we have a clear idea of its direction, that is suit for costomers, combine all the finance products and mainly develop the innovation of personal service. Finanly give my suggestins and countermeasure.
Key Words: Financial Innovation, Personal Service, Risk Management
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