摘要：国际金融业的过度创新引发的席卷全球的金融危机不能成为反对我国金融创新的理由，推进我国金融业综合化经营，实现我国商业银行盈利模式转型，是规避金融风险的有效手段，也是提升我国金融业核心竞争力的战略措施。我国商业银行在金融产品的多元化和金融服务的成本效益等许多方面与欧美很多大银行还有很大差距，我们仍需学习西方银行先进的金融服务和金融理念。笔者比较研究中西方银行的信贷业务和中间业务这两种共同业务水平，发现中西方在传统信贷业务上都在创新，差距并不大；但是在中间业务上差距很大，主要表现在中资银行中间业务品种较少，收入所占比重较低；中资银行中间业务收益低。笔者针对上述问题深入探究，提出了提高中国金融服务水平的可行性建议。

关键词：金融危机  成本效益  金融服务

Abstract: The financial crisis sweeping across the globe resulted from excessive innovation in international finance cannot be the reason for which we go against our national financial innovation. To boost the comprehensive operation in our finance industry and realize the profit pattern transformation of our national commercial banks are not only effective means to avoid financial risks but also strategic solutions to elevate the core competence in our finance industry. There is a big gap between our commercial banks and many major banks in the west in financial products’ diversification and financial services’ cost efficiency etc. Therefore，we need to learn the advanced financial services and financial concepts from western banks. The writer have compared and studied common businesses such as credit and intermediate business carried out between Chinese and Western banks. The research discovered that both Chinese and western banks are making good efforts to make innovations in credit business , so there is little gap between them, but we fall behind western banks a lot in intermediate business，which mainly displays in rare kinds in intermediate business and low proportion in total revenue, plus low profit in intermediate business. At last, the writer put forward feasible suggestions to boost our financial services after making a thorough inquiry.

Keywords: financial crisis  cost efficiency  financial service