The financial reform and innovation of the pilot free trade zone have made many achievements，and there are many breakthroughs in the overall thinking，rule system and reform mode innovation. To be specific，each free trade zone has different development priorities and achievements in different fields of financial innovation，different priorities and directions，and jointly promote the overall pace of financial innovation and reform in the pilot free trade zone. This report views the high similarity extent，the risk management pressure of commerial banks and the innovation steps of finance as the main problems，and gives its own solution by protecting innovation property，improving credit system and introducing bussiness model innovation.