试论网络信息时代的金融创新风险的规避

Avoidance of the Financial Innovation Risks Based on the Information and Network Times

随着网络信息技术的发展与广泛地应用到金融领域,金融创新得到了长足的发展,出现了网络化、电子化、虚拟化、全球化以及衍生化的特征和趋势。由于金融创新本身所具备的收益与风险二重性的特征,这些趋势和特征在促进金融创新发展的同时,也暗藏着巨大的风险。文中认为可以通过构建电子金融的双层监控机制,进一步促进金融创新和监管创新,加强金融监管,从而规避金融创新风险。

With the development of network and information technology and widely applied to financial industry, financial innovation has been developed by leaps and bounds, which shows network - based, electronic, virtual, globalization, as well as derivative characteristics and trends. Since financial innovation in itself has the duality of benefits and risk characteristics, when characteristics and trends mentioned above just promote financial innovation, as well conceal enormous risks. The paper thinks that it is should build a double - decker electronic financial monitoring mechanism, further promote financial innovation and regulatory innovation, strengthen financial supervision, and avoid the financial innovation risks.