金融创新中的银行信用风险及其管理

Bank Credit Risk and its Management in Financial Innovation

从银行信用风险来看 ,金融创新既是降低和分散转移风险的一种手段 ,但也是导致银行信用风险加大的一条重要途径。为此 ,政府及货币当局应在鼓励创新的前提下 ,加强对创新活动的引导 ,规范金融创新行为 ,强化金融监管 ;同时 ,中央银行也应主动对其货币政策进行调整、转换和创新 ,以增强其货币政策对金融创新的适应能力 。

Financial innovation is not only a method to reduce and decentralize bank credit risk, but also an important approach to increasing bank credit risk. Therefore, government and currency authorities should, on the premise of encouraging the financial innovation, strengthen the guidance of financial innovation activities and financial supervision and management, standardize innovational behavior. Meanwhile, Central Bank should also adjust, change and innovate the currency policies initially in order to increase its adaptation to financial innovation and promote financial development and economic growth.