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Financial products are derivative products of economic and social development in a certain period. Compared with state-owned enterprise banks, commercial banks have a greater dependence on the demand for financial products. Therefore, the innovation of financial products not only caters to the market and adapts to the times, but also has important significance for the development and survival of commercial banks. Based on the above background, this paper analyzes the impact of big data on financial services by combining computer big data technology, and puts forward suggestions for small and micro-enterprise financial product innovation of commercial banks based on computer big data in view of the current difficulties in financial product innovation of commercial banks.

RETRACTED: Analysis on the Innovation Hierarchy of Commercial Bank’s Financial based on the Big Data