In terms of system innovation , the main point was to solve the problems of structure and self - determination right , changing the system from that dominated by the government to that by the private sector and finally back to the former one , with state - owned financial property rights as the start point . as for the inside management innovation , the most important was to improve the management , to decrease the risk , as well as to advance the abilities of staff and to seek the maximum profit 制度创新以国家控制的国有金融产权形式为背景和起始点，主要解决组织结构和银行自主权的问题，即从以政府为主到以民营为主再到以政府为主的制度建设和制度体系的培育；内部管理创新主要是提升管理水平，减少风险，提高人员业务素质，谋求利润最大化；业务创新是近代中国银行的活力之源，是扩展业务领域、迅速占领市场、增加收益、提高效益的有效途径，也是中国银行得以取得较快发展的最主要原因之一。
