目前，中国的宏观经济正面临着新旧转型的挑战期,严峻的经济形势使得商 业银行之间的竞争尤为激烈。商业银行要想能够在激烈的竞争中站稳脚跟，持 续前进，只能根据自身的情况进行金融服务创新，否则只会裹足不前，甚至被 淘汰出局。 我国县域经济的发展正面临着许多严重的问题，主要的体现在了以下几个 方面：经济结构的转型压力大、新型城镇化的发展滞后、资源环境的约束正在 加强、开发合作严重不足、投融资的机制不完善等方面。银行等金融机构在县 域经济发展中起着至关重要的作用。本文以北京银行业务创新为案例进行具体 分析，通过分析，从银行的创新需求、影响因素、业务缺失以及战略调整落实 四个维度具体研究北京银行聊城分行在扶持县域经济背景下的金融业务的创新 体系。最后，在此基础上，文章提出了北京银行聊城分行在扶持县域背景下的 金融业务以及产品创新的具体实施过程中战略调整以及实施细则，以保证创新 的顺利实施。 关键词：北京商业银行；金融体系；县域经济；业务创新；山东聊城 ABSTRACT IV ABSTRACT At present, China's macro economy is facing a challenging period of new and old transformation. The severe economic situation makes the competition among commercial banks particularly fierce. If a commercial bank wants to gain a foothold in the fierce competition and continue to advance, it can only carry out financial service innovation according to its own situation. Otherwise, it will only be stuck or even eliminated. The development of China's county economy is facing many serious problems, mainly reflected in the following aspects: the transformation of economic structure, the development of new urbanization, the constraints of resources and environment are strengthening, the development cooperation is seriously inadequate, and the mechanism of investment and financing is not perfect. Financial institutions such as banks play a vital role in the development of county economies. This paper analyzes the banking business innovation in Beijing as a case study. Through analysis, from the following four dimensions: the bank's innovation needs, influencing factors, business shortages and strategic adjustments, the paper will specifically study the innovation system of the financial business of the Bank of Beijing Liaocheng Branch in the context of supporting the county economy. Finally, on this basis, the article puts forward the strategic adjustment and implementation rules of the Bank of China Liaocheng Branch in the implementation of the financial business and product innovation in the context of supporting the county, in order to ensure the smooth implementation of innovation.