Facing the current complex and changeable macro environment and increasingly fierce market competition，service innovation is beneficial to improve the competitiveness and risk prevention ability of commercial Banks，to meet the increasing financial demand，is a key link for commercial banks to maintain rapid and healthy development. Based on the analysis and summary of the practice and experience of service innovation in Henan branch of the bank of Communications，the paper puts forward some thoughts and Suggestions on further strengthening the innovation of bank services and improving the quality and efficiency of service entities.