后危机时代中国金融产品创新与金融监管

China's Financial Product Innovation and Financial Regulation in Post-Crisis Era

金融危机后,中国金融市场将面临着新的发展机遇及挑战。如何正确认识与协调金融产品创新与金融监管之间的关系成为摆在中国金融业面前的一项重要课题。本文提出在正确认识金融产品创新兼具促进金融市场发展与累积风险的双重属性基础上,重新梳理金融产品创新与金融监管之间的关系,适当借鉴欧盟、美国等经济体的做法,健全金融监管体系,完善金融法制环境,增加金融产品透明度等建议,以确保金融产品创新监管的有效性。

After the financial crisis,China＇s financial market faces the opportunities and the challenges at the same time.It becomes a significant problem faced by Chinese financial industry to recognize and balance the relationship between financial innovation and financial regulation.Based on the recognition of the dual nature of financial innovation,which is promoting the development of financial market and accumulating financial risks,it is important to reexamine the relationship between financial innovation and financial regulation.The article refers to pratices both in EU and US,proposes to perfect financial regulation system,to improve financial legal environment,and to promote transparency of financial products,in order to ensure the effectiveness of financial innovation and financial regulation.