金融创新系统结构模型及实证研究

The Structural Model of Financial Innovation System and the Empirical Research

基于金融创新系统结构,可以将其划分为金融创新产生、金融创新扩散及金融创新环境子系统。现有的关于金融创新领域的模型和实证研究也是围绕各子系统间作用关系来进行讨论。针对金融创新的定量研究中外部环境对金融创新的作用、金融创新采纳和扩散以及金融创新对外部环境作用的研究现状进行系统总结和分析,并在对研究现状的不足进行客观评价的基础上,提出进一步探讨、发展或突破的空间,即如何采用量化分析的方法来综合考虑金融创新过程与创新环境的协调发展机制。此外,加强金融创新的定量研究,能够更加科学系统地丰富金融创新理论,并对我国深化经济改革起到积极作用。

According to financial innovation system, there are three subsystems of financial innovation creation, financial innovation diffusion and financial innovation environment. Existing models and empirical researches on financial innovation also talked up around the relation among various subsystems. By a systematic summary and analysis of financial innovation motivation, adoption and diffusion, the effect on the macroeconomic environment conditioning, and the relation between financial innovation and micro profit and macroeconomic growth are discussed in the paper and on the basis of an objective evaluation of the research status, this paper proposes the possibilities of further discussion, development and breakthrough in constructing： how to use quantitative analysis methods to take into account for the coordinated development mechanism of the financial innovation process and innovation environment. Besides, enhancing the quantitative research on financial innovation will enrich financial innovation theory more scientifically and systematically and will play a positive role in deepening economic reform.