我国金融创新及其展望

Our present financial innovation and the future prospect

我国金融创新存在两大问题。一是金融创新进展缓慢,产品的开发不能适应经济发展的需要。二是金融创新过分依赖于政府,金融机构缺乏创新的内在动力。应把经营性金融机构塑造成真正的市场主体,营造竞争性的市场金融环境,鼓励金融创新,防范金融风险,为金融创新培养优秀人才。

There exist two major problems in our financial innovation . One is that the development of financial innovation is so slowly that It can'tmeet the need of economic development.The other is that financial innovations Lack internal motive force of Innovation due to the excessive dependence on the government.In order to promote our financial Innovation ,we should make the managerial financial institutions the real market object.We should also have a competitive market and a good financial environment to inspire financial innovation.Moreover,we ought to pay great attention to the precaution of the financial risks and the training of talents .