The most typical theories were the theory of technology advancement , the theory of avoiding regulations and the theory of cost of exchange . these academic schools examined the contributing factors of financial innovations from various angles . the practice of financial business innovations was based on these theories 各家流派雖然各有見地,但都從不同的角度分析了金融創新的成因,西方商業銀行業務創新實踐活動正是建立在這些理論基礎之上的,同時這些理論對我國銀行業務創新也具有一定的現實指導意義。