当前我国银行业创新能力普遍不足,产品功能同质化现象十分严重;各家银行市场响应速度普遍偏慢,产品推出往往滞后于市场需求变化,科技创新未能给客户带来使用体验的整体提升;在竞争着力点上,国内银行所突出的仅是资金价格,即产品收益率或存贷款利率,囿于制度的藩篱,短期内无法实现新的增 At present, the banking innovation capability in our country is generally inadequate and the homogenization of product functions is very serious. The response speed of banks is generally slow. The introduction of products often lags behind the changes in market demand. The technological innovation fails to bring an overall improvement in customer experience ; In the competitive focus, the domestic banks highlight only the capital price, that is, product yield or deposit and lending rates, due to the system of barriers, the short term can not be achieved new increase