关于金融本源和创新边界的研究

Research on Financial Sources and Innovation Boundary

随着我国经济进入新常态,金融业发展脱实向虚,金融规模过度膨胀并超出实体经济规模,假借金融创新之名游离于监管体制之外的非法金融活动猖獗,金融创新超过实体经济发展需求,给金融市场秩序带来了不稳定因素。从金融本源看,金融的核心范畴、发展历程都与实体经济紧密相关。应将金融服务发展空间与提高实体经济发展能力紧密结合,同时坚守金融创新法律、监管、风险三条边界,只有这样才能保证金融发展的活力和承载力。

Along with China＇s economy enters the new normality, the development of the financial industry breaks away from the real into the virtual, the financial size is over expanded and exceeds the real economy scale, the illegal financial activities run wild which drifts away from the regulatory system in the name of financial innovation, and the financial innovations are in excess of the demand of the real economy development, which brings uncertainties to the stability of the financial markets. Seeing from the financial sources, the core category and development process of finance are closely related to the real economy. We should closely integrate the development space of financial services with the improvement of the development ability of the real economy, and at the same time adhere to the three boundaries of financial innovations, i.e., the law, the regulations and the risk, only in this way can we ensure the vitality and the bearing capacity of the financial development.