(D) Single business variety and insufficient financial innovation. At present, the functions of domestic banks are too single, blindly focusing on traditional asset-liability business, and the development of intermediary business is lagging behind. Although the scope of business varieties has been significantly expanded compared with that before the reform, it still lacks innovation. The traditional business of many institutions is still in a rather extensive state. At present, it is an inevitable trend for commercial banks to innovate while ensuring risks, otherwise they will eventually be eliminated by society. Second, in the face of financial globalization, China's banking industry should make full preparations and strive to be in an invincible position in the domestic and foreign markets. (1) It is not the essential feature of banks to change their ideas and maintain a moderate growth in deposits. Judging from the whole economic operation environment, only moderate and reasonable growth can adapt to economic development. First of all, commercial banks should change their ideas in time and change "deposit-oriented banks" into "benefit-oriented banks". In the process of strengthening the strength of banks, profits should be the main assessment index, and it is forbidden to issue hard deposit assessment indicators, but deposits should not be ignored, and the quantity and quality of deposits should be paid attention to together. Secondly, it is necessary to strengthen credit management, improve credit management to the position of bank management center in essence, and fully reflect the importance of profit to the survival and development of banks. Finally, commercial banks can provide a variety of financing services by expanding their business scope, such as vigorously developing housing mortgage loans and high-grade durable consumer credit, alleviating the contradiction between savings growth and the whole social and economic cycle and maintaining the balance between finance and the whole national economy. (2) Strengthen the risk management of credit assets and dispose of non-performing assets in the banking system. The formation of commercial bank loan risk has its historical and social difficulties, as well as its own reasons for poor management. The urgent task is to establish and improve a scientific loan risk management system as soon as possible to realize the security, liquidity and effectiveness of loans. First of all, we should focus on the implementation of the loan "three checks" system and the unified credit system, and strengthen the risk control before, during and after lending. All commercial banks should timely and accurately analyze the changes in the objective environment, so that the investment and amount of credit funds will change with the changes in the objective situation. It is necessary to determine the credit rating of enterprises by integrating the quality of enterprise leaders, economic strength, credit status and other indicators. By evaluating the credit rating of the borrowing enterprise and collecting, sorting, analyzing and judging the relevant information before the loan is issued, the influence of enterprise credit on the loan risk is measured in a quantitative way. Try to avoid giving loans to enterprises whose credit rating is lower than the loan standard. Moreover, it is necessary to give unified credit to loan enterprises according to the credit rating, and determine the total amount of loans within the controllable range. At the same time, it is necessary to do a good job in loan review, implement a loan review separation system, verify loan risks, determine specific matters such as loan methods and quotas, review the basic situation of loans, and finally be approved by the decision-making department. Finally, it is also a crucial link to do a good job of after-the-fact inspection, and monitor the changes in the quality of loan assets in time; Strengthen supervision over the use of loans. Regular calculation and analysis, using computer system to carry out risk early warning on the whole process of loan to determine the degree of risk. Secondly, the establishment of loan risk dispersion mechanism and risk rescue mechanism is also the key to prevent risks and reduce losses. In accordance with the principle of risk diversification, we should diversify the loan methods, reasonably control the scope and quantity of credit loans, and expand the types of loans with relatively small risks such as discount, mortgage and secured loans. Limit the concentration of loans and control the proportion of loans from the same subject. For large loans, syndicated loans can be used to achieve the purpose of diversifying loan risks. In addition, it is also possible to negotiate with enterprises and ask them to take out property insurance in order to pass on risks. Although commercial banks can control, disperse and pass on risks in various ways, they cannot completely avoid losses. Therefore, it is necessary to establish a loan risk relief mechanism. You can file a property liquidation lawsuit against the responsible person through legal means to recover some losses, or you can set up a risk fund to extract a certain proportion of profits as a risk fund to make up for the loss of bad loans. Finally, commercial banks should strengthen internal audit and supervision, strengthen internal control system of audit, strengthen the construction of political and ideological quality and professional quality of credit team, further improve the ideological consciousness of existing credit personnel, strictly control personnel and prevent losses caused by human factors. Strengthen the construction of financial supervision system, implement the legalization of financial supervision means and reduce financial risks as much as possible. While doing a good job in risk management, commercial banks should also clean up the bad assets left behind in time. Control within a certain amount. Non-performing assets and healthy assets are managed separately, and the separated non-performing assets are collected by legal means. For those that cannot be recovered, market-oriented means such as auctioning assets, replacing managers, setting up another company to operate and divesting them to professional financial asset management companies can be used to resolve and deal with them. In addition, commercial banks can also actively participate in enterprise restructuring, help enterprises improve their operating conditions, improve efficiency, and strive to preserve credit assets. (three) pay close attention to the construction of software and hardware, actively develop existing business, and strive to develop new business. First-class technical equipment and first-class personnel are the necessary conditions for commercial banks to improve their operating ability and competitiveness. Some famous foreign banks often arrange staff rotation training or send them to overseas institutions to broaden their knowledge and horizons and cultivate their creativity. We can learn from their advanced practices and combine our own reality to vigorously promote the quality construction of employees. Unlicensed personnel are strictly prohibited from taking up their posts. We can also reform the recruitment, training, assessment, income distribution and job promotion of employees comprehensively by establishing an incentive labor and personnel system, so that loyal and capable employees can give full play to their talents. Strengthen employees' ideological and political education and legal knowledge learning, strengthen employees' concept of obeying laws and regulations, avoid the occurrence of illegal and disorderly events, make every employee think that the contribution of banks is closely combined with the realization of self-worth, and encourage all employees to devote themselves to their work. Commercial banks should also take updating technology and equipment as a strategic issue, speed up the construction of computer networks, update office facilities, improve the business environment, make software and hardware develop simultaneously, and provide customers with an efficient operating mechanism. Facing the current single banking function, under the new domestic and international economic and financial background, it is a realistic choice for China's commercial banks to actively commit themselves to financial innovation. According to the laws of market economy and the operating rules of modern commercial banks, on the basis of effectively controlling risks, we will carry out business innovation, improve the socialized service function of commercial banks and improve efficiency. First of all, we should innovate the traditional deposit and loan business. Continuously improve the scientific and technological content of deposit business, develop multifunctional bank cards, vigorously develop self-service banks, telephone banks and online banks with advanced scientific and technological means, realize various financial functions such as account inquiry, transfer and payment in mobile phones by using GMS networks covering the whole world, and develop and improve ATM, POS and electronic transfer services; Actively develop credit business, vigorously develop new businesses such as syndicated loans and M&A loans (providing loans for capital activities such as corporate mergers and acquisitions), and increase investment in non-credit areas such as purchasing corporate bonds and government bonds; Reform the traditional settlement business, change waiting for customers into active door-to-door service, set up fund settlement centers in large enterprises, establish liquidity settlement centers, and open corporate business deposit and withdrawal services, so that customers can handle settlement, inquiry and other businesses more conveniently and quickly. Vigorously promote traditional intermediary business such as agency business, management business and entrustment business, and actively explore new intermediary business, such as making use of its own reputation, technology and strong research strength, making reform plans for enterprises, designing more reasonable shareholding structure, planning enterprise mergers and acquisitions, asset restructuring, and providing investment consulting services for enterprises and society. Financial globalization is the inevitable trend of world economic development, and banks in China will also face a broader market, as well as challenges from various forces at home and abroad. Only by recognizing ourselves, transforming ourselves and innovating ourselves can we stand on the world financial stage.