法无明文许可即禁止——银行业务创新的观念障碍业务创新是经济活动,银行是社会主义市场经济的主体(参与者)之一,它的业务创新活动必须依法开展。所谓“依法”,应理解为“法律允许”,包括法律规范有明确规定和法律不予禁止两个方面。这里的“法律”作广义解释,包括各种法律、法 Laws are forbidden without express permission - Banking business innovation concept obstacle Business innovation is economic activity. Bank is one of the main players (participants) in the socialist market economy. Its business innovation activities must be carried out in accordance with the law. The so-called “according to law” should be understood as “law allows”, including legal norms and regulations are not explicitly prohibited two aspects. The “law” here for a broad interpretation, including a variety of laws, laws