随着国内开办汽车消费信贷业务，商业银行面临着扩大营业领域的机会，但是也面临着这新的怕货方大所带来的业务风险，如何利用好机遇，同时时化解风险，是商业银行的中奖课题。商业银行必须进行金融创新我同银行商业化改证以来，金融创新成为商业银行一直关注的问题．我国的银 With the opening of auto consumer credit business in China, commercial banks are faced with opportunities to expand their business areas. However, commercial banks are also facing the business risks brought by this new financial crisis. How to make good use of opportunities and at the same time to resolve risks is a challenge to commercial banks Winning topic. Commercial Banks Must Make Financial Innovation Since the commercialization of banks with banks, financial innovation has become a topic that commercial banks have been paying attention to. My country’s silver