新形势下对金融创新的几点思考

Ideas on Financial Innovation under the New Situation

金融创新是一把"双刃剑",不能因为美国次贷危机引爆全球性经济危机而否定金融创新的意义和作用。金融业首先是服务业,实际上客户的需求就是金融创新的源泉。随着我国经济发展和国民收入水平的不断提高,企业、居民对多元化金融服务的需求越来越多。我国的金融服务创新在发展低碳经济方面大有可为,通过多种渠道的金融服务创新,可以从经济效益、环境效益和社会福利三个方面加快实现国家产业结构调整的目标。但是,任何创新,防范风险都是首要的。而防范金融风险不仅是银行的责任,更是各级政府和监管部门的责任。

Financial innovation is a ＂double-edged sword＂,whose significance and role cannot be denied just because the U.S.subprime mortgage crisis set off a global economic crisis.The financial industry is,first of all,the services industry,and in fact,customer demand is the source of financial innovation.With China＇s economic development and the increasing improvement of national income levels,there has been an increasing demand for diversified financial services among businesses and residents.China＇s financial service innovation is much promising in the development of low-carbon economy,and through various channels of financial services innovation,the achievement of the objectives of the national industrial structure adjustment may be accelerated from the three aspects of economy,environment and social welfare.However,risk prevention is paramount for any innovation.The prevention of financial risks is not only the responsibility of banks,but also that of government and regulatory authorities of all levels.