摘要：上海自贸区的成立，是我国社会主义建设新时期的一项国家政策。作为我国经济发展的试验田，上海自贸区在金融领域的改革创新对于我国经济领域的发展具有重大的导向性和预测作用。就商业银行而言，首批已有包括两家外资银行在内的10家银行入驻（工商银行、农业银行、中国银行、建设银行、交通银行、招商银行、浦发银行、上海银行，两家外资银行为花旗银行和星展银行），不难看出，上海自贸区的建成为商业银行带来了巨大的商机，但同时，也伴随着许多挑战。本文依循合理性、系统性、可比性的原则，从市场经济体制的理论出发，结合人民币国际化、利率市场化、外资银行的入驻等多个方面，以浦东发展银行为例，着重于弄清上海自贸区金融体系中金融改革创新对于商业银行的影响，以及它们以何种方式与其他方面发生制约和转化，最后提出相应提出合理的对策。

关键词:上海自贸区  商业银行  利率市场化  上海浦东发展银行

Abstract: The establishment of the Shanghai Free Trade Zone is a national policy in the new era of our country socialist construction. As the field of economic development in China, Shanghai Free Trade Zone plays an important role on guidance and prediction in the field of financial reform and innovation for the development of economy in China. There already has 10 banks, including two foreign banks. It is easy to figure out that Shanghai Free Trade Zone brought great business opportunities for the commercial bank as well as many challenges.This article followed the principle of rationality, systematic, comparability and started from the theory of market economy system, combining with several aspects such as the internationalization of RMB, marketization of interest rate, competition with foreign Banks to figure out the influence of financial innovation on commercial Banks. The article took Shanghai Pudong development bank as an example, and finally giving some reasonable measures to settle those problems　　　

Key words:  Free Trade Zone  Commercial Bank  RMB internationalization  interest rate liberalization  Shanghai Pudong Development Bank