Study On The Influence Of Bank Finacial Product Inovation Trends To China Commercial Banks

As mankind enters the era of economic globalization, networking and financial liberalization, domestic economic structure are restructuring, capital markets and personal wealth are develop rapidly, and diversify investment channels. All of these have brought huge benefits to commercial banks, and have provided a favorable external environment and internal motivation for development of financial products of banks, but also have brought new problems and challenges to the development of commercial banks in China.So in recent years.China commercial banks launched financing products, which affects the development of China commercial banks more and more deeply. This article research the innovation tendency of bank financial products, so as to promote the development of China commercial banks in the new environment.Researching the development measures of commercial banks can make business bank have a stably and long-term development in a new environment,provide financial support for socialist development of China,create a good environment and development at home and abroad, and finally promote market economy of China.This article analysis the innovative status of financial products from two major aspects of number and content, and find out the three trends of financial products in China, namely vnmhtf, personalized and international. And based on the influence of these three major directions, namely positive and negative effects, finds out some countermeasures about the development of China commercial banks, such as:the operating of China commercial banks, the development and utilization of human resource, position of market, international strategy and banking and image building of commercial banks and other aspects.