随着国际金融市场一体化的深入发展.商业银行业务与制度的创新已经日益受到各界的关注。国际商业银行在金融创新方面的经验和教训对我国商业银行的影响也日益明显。银行业务的拓展与法律制度的发展是紧密联系的,业务风险与法律风险相伴而生。商业银行要有效地防范业务创新和市场竞争中的各种风险,必须重视法律风险的识别与控制。实际上,无论是业务经营中 With the in-depth development of the integration of international financial markets, the innovation of commercial banking business and system has drawn increasing attention from all walks of life. The impact of international commercial banks’ experience and lessons in financial innovation on China’s commercial banks is also becoming increasingly evident. The expansion of banking business is closely linked with the development of the legal system. Business risks are accompanied by legal risks. To effectively prevent various risks in business innovation and market competition, commercial banks must attach importance to the identification and control of legal risks. In fact, both in business operations