| Electric industry is the basic industry of national economy and social public utility, the development of it concern the development of total national economy and the improvement of living standard of people directly. At the same time, electric industry is the one of pillar industries of commercial bank tradition business, belonging to the good customers of commercial bank. Presently, electric industry is facing the new development opportunity, urgent to need both to draw close to actual, and has the innovation financial product in the electric industries capital management and investment and financing field.The paper first analyses the developing condition and calculates the prospects of the current electric industry, pointing out the main manage characteristic, financing need and risk spot of electric enterprise, and expounding the products and the service actually of that the commercial bank provides to the electric enterprise, from the bank angle discussing the financial innovative and risk guard of the electric enterprise, making every effort to drive the establishment of the bilateral new cooperation relations. |