Financial innovation is the prerequisite for commercial banks to transform and keep sustainable competitive adva-ntages. Existing research about knowledge creation financial innovation and knowledge management system are reviewed. The knowledge creation process was interpreted based on Nonaka's SECI model. The impacts of knowledge creation process and know-ledge management systems(KMS) on banking financial innovation were analyzed. Four dimensions: socialization, externalization, combination and internalization are analyzed based on the actual business activities in the banking , which have the impacts on the improvement of financial innovation by some business process. In addition , the KMS has the direct impacts on four dimensions of knowledge creation and it also impact the financial innovation via knowledge creation process. It's a new view to research the financial innovation from knowledge management perspective and valuable to improve innovation capability of commercial banks.%金融产品创新是商业银行保持竞争优势、顺利实现转型、参与国际竞争的必要条件。本文在对知识创造过程、金融产品创新影响因素以及知识管理技术等相关研究进行系统梳理，选择Nonaka的SECI知识创造模型作为重要理论基础，探索知识创造过程和知识管理系统对商业银行金融产品创新能力的影响机制，分析了知识创造过程中的社会化、外化综合化和内化四个维度在商业银行中的具体活动和特征，通过影响银行的流程和业务行为，从而对金融产品创新能力提升产生积极的推动作用。同时，系统分析商业银行中知识管理系统对知识创造过程上述四个维度有直接的支撑作用，同时会利用知识创造过程会间接的影响金融创新能力提升。另外，知识管理系统也会对商业银行的金融创新能力有直接的支撑作用，从知识管理视角分析完善商业银行产品创新理论，为商业银行创新能力提升提供理论指导和实践参考。
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