China's commercial banks are facing the great problems in the economic globalization， To meet the growing and changing needs of the community， they would have to be This paper points out that the economic globalization commercial banks face challenges Then China's commercial banking business innovation was analyzed， with the gap between Western countries， summed up three characteristics : Variety small， small scale and low In light of these problems， according to China's commercial banks the status quo， from the business assets， liabilities operational aspects of the banking business innovative ideas for a brief Finally clients from the development of middle managers and business development to focus on two aspects of China's commercial banks for development， and made several 关键词：commercial banks， business innovation and business assets， liabilities， business， intermediary business
