银行可持续发展:寻求金融创新与风险管理的适度平衡

Sustainable Development of Banks:Seek a Proper Balance between Financial Innovation and Risk Management

在宏观经济面临的不确定性越来越大、宏观调控政策日趋频繁的复杂环境下,商业银行要想持续、稳健发展就必须加大金融创新的力度。但金融创新在为银行拓展新的经营空间、创造利润的同时也引致了新的风险。本文论述了商业银行金融创新的发展方向并对金融创新的风险点进行了识别和分析,认为当前的银行业改革必须在金融创新与风险管理之间寻求适度的平衡,这在金融全面开放的后WTO时代,对于推动银行业实施战略转型从而实现可持续发展具有重要的意义。

In recent years, the macroeconomic becomes more and more uncertain and the macro-control policy is also increasingly frequent. In order to keep a sustainable development, commercial banks should make great efforts to enhance financial innovations. However, financial innovations will also bring new risks when it paves new way and earns more profits for the banks. This paper discusses the direction of the banking financial innovations, then discerns and analyses the risk points of financial innovations. We hold that the current banking reform should seek proper balance between financial innovations and risk management. It is important for the banking sector to implement strategic transition and keep sustainable development during the post-WTO period.