Based on commercial bank financial products innovation problems, put forward the corresponding Suggestions. The first describes the history and development status of China's commercial banks to finance the development of product innovation, so that commercial banks have a clear understanding for themselves. Second, the process of financial innovation problems are mainly focused on the degree of innovation, market positioning, innovation system and innovation risk awareness and so on. Finally, we put forward to countermeasures and suggestions to promote the innovation development of commercial banks financial products.