后金融危机时代中国银行业金融创新与发展

Chinese Banking Sector Financial Innovation and Development in Post-financial-crisis Era

金融创新既是国际银行业发展的大势所趋,也是中国银行业融入世界经济金融体系、提升整体实力的客观要求。本文首先从后金融危机时代金融创新的背景出发,总结了世界银行业金融创新的主要特点和趋势,然后重点对中国银行业金融创新的物质基础和制度基础进行分析,并指出中国银行业金融创新的主要问题,最后本文结合后金融危机时代国际金融监管的新理念,对中国银行业金融创新与未来发展提出相应的政策建议。

Financial innovation is the trend of international banking development and also the objective requirements for Chinese banking industry participation the world economic and financial system and enhancing the overall strength.Firstly,after the financial crisis from the era of financial innovation background,we sum up the main characteristics of financial innovations and trends,and then focus on the Chinese banking financial innovation and institutional basis for the material basis of the analysis,and point out the main problems of Chinese banking financial Innovation.At last,we combine new concepts of international financial regulation and financial innovation in post-financial-crisis era into recommending policy of Chinese banking industry and future development accordingly.