金融创新:防范和化解金融风险的理性选择

Financial Innovation is the Rational Choice to Prevent and Emancipate Financial Risks

金融风险的防范与化解对一个国家的金融发展至关重要 ,而金融创新与风险防范和化解又是动态依存的 ,经过两者的多重重复博弈之后 ,其结果等于总体上的金融发展收益加上可控制或可忍受的风险水平和技术进步条件下的金融创新。我国的金融创新虽然存在着各方面的问题 ,但如果能创新金融理念 ,并以金融技术创新和金融制度创新为主体 ,创造灵活实用的经营手段、金融工具和健全的金融法律制度 ,就一定能增强各金融机构防范和化解风险的能力并扩展其生存空间。

Preventing and emancipating financial risks are very important to one country. Financial innovation and financial risks’ prevention and emancipation are catenating dynamically with each other. After their campaigning for many times, the result equals the overall financial revenue plus the financial risks that can be controlled or beared plus the financial innovation under the technology development. It is a fact that there are many problems about our financial innovation. But, if we can innovate financial concept and create flexible and practical management approaches, financial tools and wholesome financial law system by financial technology innovation and institutional innovation, we will strengthen financial systems’ ability to prevent risks and enlarge their spaces.