关于加强金融产品创新内控管理的研究

摘要

产品创新是商业银行实现经营转型和可持续发展的重要途径。经营环境的变化迫使商业银行必须不断加强产品创新，但创新具有双刃剑作用，在促进经营发展的同时，蕴含新的风险。良好的内控机制是防范风险的有力武器，加强产品创新内控管理的研究对于拓展创新、审视监管、防范风险具有重要的现实意义。%Product innovation is an important way for commercial banks to achieve business transformation and sustainable development. The chang of business environment forces the commercial banks must continue to strengthen product innovation, but innovation is the sword of damocles, it can promote business development, at the same time, it contains a new risk. Good internal control mechanism is a powerful weapon to prevent risks. The research on strength- ening the internal management of product innovation has important practical significance to develop innovation and look at the supervision and prevent risks.