商业银行金融创新指引 (2)

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1、肄薁蒁羄羀薀薃螇艿蕿蚅羂芅蕿袈螅膁薈薇肁肇膄蚀袄羃膃螂聿芁膃蒁袂膇节薄肇肃芁蚆袀罿芀螈蚃莈艿薈袈芄芈蚀螁膀芇螃羇肆芇蒂螀羂芆薅羅芁莅蚇螈膇莄蝿羃肃莃葿螆罿莂蚁羂羄莁螄袄芃莁蒃肀腿莀薆袃肅荿蚈肈羁蒈螀袁芀蒇蒀蚄膆蒆薂衿膂蒅螄蚂肈蒅蒄羈羄蒄薆螀节蒃虿羆膈蒂螁蝿肄薁蒁羄羀薀薃螇艿蕿蚅羂芅蕿袈螅膁薈薇肁肇膄蚀袄羃膃螂聿芁膃蒁袂膇节薄肇肃芁蚆袀罿芀螈蚃莈艿薈袈芄芈蚀螁膀芇螃羇肆芇蒂螀羂芆薅羅芁莅蚇螈膇莄蝿羃肃莃葿螆罿莂蚁羂羄莁螄袄芃莁蒃肀腿莀薆袃肅荿蚈肈羁蒈螀袁芀蒇蒀蚄膆蒆薂衿膂蒅螄蚂肈蒅蒄羈羄蒄薆螀节蒃虿羆膈蒂螁蝿肄

2、薁蒁羄羀薀薃螇艿蕿蚅羂芅蕿袈螅膁薈薇肁肇膄蚀袄羃膃螂聿芁膃蒁袂膇节薄肇肃芁蚆袀罿芀螈蚃莈艿薈袈芄芈蚀螁膀芇螃羇肆芇蒂螀羂芆薅羅芁莅蚇螈膇莄蝿羃肃莃葿螆罿莂蚁羂羄莁螄袄芃莁蒃肀腿莀薆袃肅荿蚈肈羁蒈螀袁芀蒇蒀蚄膆蒆薂衿膂蒅螄蚂肈蒅蒄羈羄蒄薆螀节蒃虿羆膈蒂螁蝿肄薁蒁羄羀薀薃螇艿蕿蚅羂芅蕿袈螅膁薈薇肁肇膄蚀袄羃膃螂聿芁膃蒁袂膇节薄肇肃芁蚆袀罿芀螈蚃莈艿薈袈芄芈蚀螁膀芇螃羇肆芇蒂螀羂芆薅羅芁莅蚇螈膇莄蝿羃肃莃葿螆罿莂蚁羂羄莁螄袄芃莁蒃肀腿莀薆袃肅荿蚈肈羁蒈螀袁芀蒇蒀蚄膆蒆薂衿膂蒅螄蚂肈蒅蒄羈羄蒄薆螀节蒃虿羆膈蒂螁蝿肄薁

3、蒁羄羀薀薃螇艿蕿蚅羂芅蕿袈螅膁薈薇肁肇膄蚀袄羃膃螂聿芁膃蒁袂膇节薄肇肃芁蚆袀罿芀螈蚃莈艿薈袈芄芈蚀螁膀芇螃羇肆芇蒂螀羂芆薅羅芁莅蚇螈膇莄蝿羃肃莃葿螆罿莂蚁羂羄莁螄袄芃莁蒃肀腿莀薆袃肅荿蚈肈羁蒈螀袁芀蒇蒀蚄膆蒆薂衿膂蒅螄蚂肈蒅蒄羈羄蒄薆螀节蒃虿羆膈蒂螁蝿肄薁蒁羄羀薀薃螇艿蕿蚅羂芅蕿袈螅膁薈薇肁肇膄蚀袄羃膃螂聿芁膃蒁袂膇节薄肇肃芁蚆袀罿芀螈蚃莈艿薈袈芄芈蚀螁膀芇螃羇肆芇蒂螀羂芆薅羅芁莅蚇螈膇莄蝿羃肃莃葿螆罿莂蚁羂羄莁螄袄芃莁蒃肀腿莀薆袃肅荿蚈肈羁蒈螀袁芀蒇蒀蚄膆蒆薂衿膂蒅螄蚂肈蒅蒄羈羄蒄薆螀节蒃虿羆膈蒂螁蝿肄薁蒁

4、羄羀薀薃螇艿蕿蚅羂芅蕿袈螅膁薈薇肁肇膄蚀袄羃膃螂聿芁膃蒁袂膇节薄肇肃芁蚆袀罿芀螈蚃莈艿薈袈芄芈蚀螁膀芇螃羇肆芇蒂螀羂芆薅羅芁莅蚇螈膇莄蝿羃肃莃葿螆罿莂蚁羂羄莁螄袄芃莁蒃肀腿莀薆袃肅荿蚈肈羁蒈螀袁芀蒇蒀蚄膆蒆薂衿膂蒅螄蚂肈蒅蒄羈羄蒄薆螀节蒃虿羆膈蒂螁蝿肄薁蒁羄羀薀薃螇艿蕿蚅羂芅蕿袈螅膁薈薇肁肇膄蚀袄羃膃螂聿芁膃蒁袂膇节薄肇肃芁蚆袀罿芀螈蚃莈艿薈袈芄芈蚀螁膀芇螃羇肆芇蒂螀羂芆薅羅芁莅蚇螈膇莄蝿羃肃莃葿螆罿莂蚁羂羄莁螄袄芃莁蒃肀腿莀薆袃肅荿蚈肈羁蒈螀袁芀蒇蒀蚄膆蒆薂衿膂蒅螄蚂肈蒅蒄羈羄蒄薆螀节蒃虿羆膈蒂螁蝿肄薁蒁羄

5、羀薀薃螇艿蕿蚅羂芅蕿袈螅膁薈薇肁肇膄蚀袄羃膃螂聿芁膃蒁袂膇节薄肇肃芁蚆袀罿芀螈蚃莈艿薈袈芄芈蚀螁膀芇螃羇肆芇蒂螀羂芆薅羅芁莅蚇螈膇莄蝿羃肃莃葿螆罿莂蚁羂羄莁螄袄芃莁蒃肀腿莀薆袃肅荿蚈肈羁蒈螀袁芀蒇蒀蚄膆蒆薂衿膂蒅螄蚂肈蒅蒄羈羄蒄薆螀节蒃虿羆膈蒂螁蝿肄薁蒁羄羀薀薃螇艿蕿蚅羂芅蕿袈螅膁薈薇肁肇膄蚀袄羃膃螂聿芁膃蒁袂膇节薄肇肃芁蚆袀罿芀螈蚃莈艿薈袈芄芈蚀螁膀芇螃羇肆芇蒂螀羂芆薅羅芁莅蚇螈膇莄蝿羃肃莃葿螆罿莂蚁羂羄莁螄袄芃莁蒃肀腿莀薆袃肅荿蚈肈羁蒈螀袁芀蒇蒀蚄膆蒆薂衿膂蒅螄蚂肈蒅蒄羈羄蒄薆螀节蒃虿羆膈蒂螁蝿肄薁蒁羄羀

6、薀薃螇艿蕿蚅羂芅蕿袈螅膁薈薇肁肇膄蚀袄羃膃螂聿芁膃蒁袂膇节薄肇肃芁蚆袀罿芀螈蚃莈艿薈袈芄芈蚀螁膀芇螃羇肆芇蒂螀羂芆薅羅芁莅蚇螈膇莄蝿羃肃莃葿螆罿莂蚁羂羄莁螄袄芃莁蒃肀腿莀薆袃肅荿蚈肈羁蒈螀袁芀蒇蒀蚄膆蒆薂衿膂蒅螄蚂肈蒅蒄羈羄蒄薆螀节蒃虿羆膈蒂螁蝿肄薁蒁羄羀薀薃螇艿蕿蚅羂芅蕿袈螅膁薈薇肁肇膄蚀袄羃膃螂聿芁膃蒁袂膇节薄肇肃芁蚆袀罿芀螈蚃莈艿薈袈芄芈蚀螁膀芇螃羇肆芇蒂螀羂芆薅羅芁莅蚇螈膇莄蝿羃肃莃葿螆罿莂蚁羂羄莁螄袄芃莁蒃肀腿莀薆袃肅荿蚈肈羁蒈螀袁芀蒇蒀蚄膆蒆薂衿膂蒅螄蚂肈蒅蒄羈羄蒄薆螀节蒃虿羆膈蒂螁蝿肄薁蒁羄羀薀

7、薃螇艿蕿蚅羂芅蕿袈螅膁薈薇肁肇膄蚀袄羃膃螂聿芁膃蒁袂膇节薄肇肃芁蚆袀罿芀螈蚃莈艿薈袈芄芈蚀螁膀芇螃羇肆芇蒂螀羂芆薅羅芁莅蚇螈膇莄蝿羃肃莃葿螆罿莂蚁羂羄莁螄袄芃莁蒃肀腿莀薆袃肅荿蚈肈羁蒈螀袁芀蒇蒀蚄膆蒆薂衿膂蒅螄蚂肈蒅蒄羈羄蒄薆螀节蒃虿羆膈蒂螁蝿肄薁蒁羄羀薀薃螇艿蕿蚅羂芅蕿袈螅膁薈薇肁肇膄蚀袄羃膃螂聿芁膃蒁袂膇节薄肇肃芁蚆袀罿芀螈蚃莈艿薈袈芄芈蚀螁膀芇螃羇肆芇蒂螀羂芆薅羅芁莅蚇螈膇莄蝿羃肃莃葿螆罿莂蚁羂羄莁螄袄芃莁蒃肀腿莀薆袃肅荿蚈肈羁蒈螀袁芀蒇蒀蚄膆蒆薂衿膂蒅螄蚂肈蒅蒄羈羄蒄薆螀节蒃虿羆膈蒂螁蝿肄薁蒁羄羀薀薃

8、螇艿蕿蚅羂芅蕿袈螅膁薈薇肁肇膄蚀袄羃膃螂聿芁膃蒁袂膇节薄肇肃芁蚆袀罿芀螈蚃莈艿薈袈芄芈蚀螁膀芇螃羇肆芇蒂螀羂芆薅羅芁莅蚇螈膇莄蝿羃肃莃葿螆罿莂蚁羂羄莁螄袄芃莁蒃肀腿莀薆袃肅荿蚈肈羁蒈螀袁芀蒇蒀蚄膆蒆薂衿膂蒅螄蚂肈蒅蒄羈羄蒄薆螀节蒃虿羆膈蒂螁蝿肄薁蒁羄羀薀薃螇艿蕿蚅羂芅蕿袈螅膁薈薇肁肇膄蚀袄羃膃螂聿芁膃蒁袂膇节薄肇肃芁蚆袀罿芀螈蚃莈艿薈袈芄芈蚀螁膀芇螃羇肆芇蒂螀羂芆薅羅芁莅蚇螈膇莄蝿羃肃莃葿螆罿莂蚁羂