华尔街与山西票号经营理念比较研究—“贪婪、豪赌”与“节制、稳健”的历史对比

The Comparative Study of Philosophy of Wall Street and Shanxi Banks

华尔街银行的贪婪与豪赌制造了次贷危机,山西票号的节制与稳健则实现了票号的持续、健康发展。本文对比分析了山西票号和华尔街银行对待金融创新产品的态度和运用方式,指出当代银行应该审慎、合理利用金融创新产品,并且要以持续发展和持续盈利为目的,恪守社会责任,从而实现金融可持续发展。

Greed and gambling of Wall Street Banks created the subprime mortgage crisis.To achieve a sustained and healthy development,however,Shanxi Banks（or Shanxi exchange shops） attached importance to moderation.Through comparative analysis of the Shanxi Banks and Wall Street Banks＇ attitude towards financial innovation,this article points that banks should be cautious and rational when they make use of financial innovations.In order to achieve financial sustainable development,the banks＇ target should be the continued growth and sustained profitability,and they must also adhere to social responsibility.