金融创新的风险及其控制策略分析[J].pdfVIP

9 6 () Vol9, No6 2009 6 Journal ofKunming University of Science andTechnology Jun2009 1 柯 健 (, 330003) : 金融创新在促进金融发展时若使用不当, 会加大金融风险, 因为创新促使商业银行改变经 营策略, 金融体系改变其构成, 以及金融风险的隐蔽性更强金融创新风险对金融业的带来了巨大的冲 击, 要控制金融创新带来的风险必须进行制度创新, 进一步完善金融监管体系金融机构在进行金融创 新的同时, 要提升风险识别与管理能力, 特别要注重防范创新过程中新的风险, 保证金融稳定, 提高中 国金融业的国际竞争力 : 金融创新; 金融监管; 风险控制; 策略分析 : F8310 : A : 1671- 1254 (2009) 06- 0072- 04 Analysis for Financial Innovation R isk and Control Policy KE J ian (Party SchoolofCPC JiangxiProvincialCommittee EconomicsTeaching andResearchDepartment, Nanchang, Jiangxi330003) Abstract: If financial innovation improperly involved at theprocess of promotion financedevelopmen,t it mayenlarge the financialrisks. Because itwillurges theCommercialbanks tochange theirmanagementstrate gies, and the financialsystemwillchange itsconstitution, aswellas theconfidentialityoffinancialriskswillbe stronger. The financialinnovation riskhasbroughtthehugeimpactsto the financialindustry, so itmustbecon trolled through carryon the institutionalinnovations atthe financialinnovation, and perfects the financialsuper vision system. Thefinancialorgansshould promote therisk recognition and themanaged capacitieswhilecarries on thefinancialinnovation, and shouldpaygreatattention speciallytoguardagainstthenew risks in the innova tionprocess, guarantees the financialstability, enhancestheChinese financial industrytheinternationalcompet itiveness. K ey words: financial innovation; financialsupervision; risk contro;l thestrategy analyzes , , ( 一) 金融创新的本质 ;