金融创新的风险及其控制策略分析

Analysis for Financial Innovation Risk and Control Policy

金融创新在促进金融发展时若使用不当,会加大金融风险,因为创新促使商业银行改变经营策略,金融体系改变其构成,以及金融风险的隐蔽性更强。金融创新风险对金融业的带来了巨大的冲击,要控制金融创新带来的风险必须进行制度创新,进一步完善金融监管体系。金融机构在进行金融创新的同时,要提升风险识别与管理能力,特别要注重防范创新过程中新的风险,保证金融稳定,提高中国金融业的国际竞争力。

If financial innovation improperly involved at the process of promotion may enlarge the financial risks. Because it will urges the Commercial banks to change gies, and the financial system will change finance development, it their management strateits constitution, as well as the confidentiality of financial risks will be stronger. The financial innovation risk has brought the huge impacts to the financial industry, so it must be con- trolled through carry on the institutional innovations at the financial innovation, and perfects the financial supervision system. The financial organs should promote the risk recognition and the managed capacities while carries on the financial innovation, and should pay great attention specially to guard against the new risks in the innovation process, guarantees the financial stability, enhances the Chinese financial industry the international competitiveness.