金融创新的动因评析及对我国商业银行的启示

Factors Driving Financial Innovation and Its Enlightenments to Commercial Banks in China

逃避管制 ,规避风险 ,业务发展和科技更新需要是金融创新发展历程中主要的三类创新原因。从这三类创新动因出发的金融创新都曾给金融业带来了较有利的发展机遇。但是 ,对这三类金融创新从理论上加以评析 ,特别是结合我国实际加以评析后 。

The three major factors driving financial innovation lie in providing against constration,avoiding risks,business development and scientific innovation,which are favorable for the development of finance.After analyzing the financial innovation theoretically and combining the situation in China,we can draw a conclusion that our commercial banks should focus on business and scientific innovation.