摘 要: 金融产品是金融市场得以存在和发展的基础，是金融机构经营的基本对象，也是各类企业外源性融资的基本载体，它对资本的资源配制至关重要。本文从金融产品创新的含义出发，通过对国内外银行金融创新产品的对比和对西方金融产品创新的发展趋势的研究，提出国内商业银行金融产品发展方向，最终达到银行与证券、保险的进一步融合，业务产品进一步相互渗透和组合，并走向混业经营。接着分析了金融产品创新对商业银行的正面和反面影响，既有宏观影响也有微观影响。然后以江苏银行“科技之星”这一金融创新产品为例，做了一定的分析。接着针对上述影响提出了一系列解决办法，从创新机制到制度、管理和技术创新都应做出一定的要求，规范宏观金融制度，银监会积极引导都也是解决金融创新产品对商业银行的负面影响的有效措施。

关键字：金融产品创新，商业银行，江苏银行，科技之星

Abstract: Financial products are the basis of the existence and development of financial markets, and are the basic objects of management of financial institutions, they are also the basic carrier of exogenous financing for all types enterprises, they are very important to the allocation of resources. This paper starts from the meaning of financial product innovation, through the comparison of domestic and foreign banks’ financial innovation products and the study of the development of Western financial product innovation trends, put forward the development direction of financial products of domestic commercial banks, and ultimately to further make integration of the bank, securities and insurance, the business products to further penetrate and mix with each other, to go to mixed operation. Then this paper analyzes the positive and negative effects of the innovation of financial products to commercial banks, both of macro and micro impacts. Then take "Technology Star" for example, which is the financial innovation product of Bank of Jiangsu, make certain analysis. Then we put forward a series of solutions to the impacts above, certain requirements should be made from innovative mechanisms to the system, management and technological innovations, standardize macro-financial system, the CBRC’s actively guide is also the effective measures to solve the negative effects of financial innovations to commercial banks.

Keywords：Financial product innovation，commercial bank，Bank of Jiangsu，Technology Star