我国金融创新与金融发展

Finance Innovation and Development in China

金融创新推动了我国金融业的蓬勃发展,由于金融市场外部、内部及技术条件的制约,我国金融创新的发展存在自身固有的缺陷,导致金融业的进一步发展存在诸多“瓶颈”。在经济转轨时期,我国金融创新的理性选择是要突出金融业的制度创新,优化金融市场的结构创新,加强金融机构的机制创新,规范金融衍生工具的品种创新,在注重创新数量的同时重点应放在提高创新质量和科技含量上。

Finance innovation has pushed the rapid development of finance sector in China, but owing to the limitations of internal, external and technological conditions of finance market, there are intrinsic defects in our country's development of finance innovation, ending in a number of 'bottlenecks' in the further growth of the finance sector. In the phase of economic transition, the rational choice of finance innovation in China is to highlight system innovation in the finance sector, optimizing structure innovation of the finance market, reinforcing mechanism innovation of finance organizations, regulating service-variety innovation of finance derivative tools. Priority should be laid on promoting the quality of and the scientific content in innovation while the quantity of innovation is emphasized.