后危机时代金融创新与风险控制如何协调发展..docVIP

后危机时代中国银行业金融创新与风险管理如何协调发展 Chinas Banking How to Coordinate the Development of Financial Innovation and Risk Management after Crisis Age 陈航 CHEN Hang 摘要 入世十年，中国金融业已全面对外开放，金融自由化程度不断加深，中国金融体系日益融入全球金融体系，中资银行要与外资银行展开全面的合作与竞争必须加大金融创新的力度。而近年发生的金融危机使金融创新成为千夫所指，被认为是导致金融危机的“元凶”。进入后危机时代，中国银行业金融创新与风险管理如何协调发展是本文重点研究的课题。本文从市场环境的变化和创新需求的动力入手得出创新是中国银行业提升可持续盈利能力的动力，但从金融危机的教训得出中国商业银行应遵循理性的金融创新路径，大力推进产品创新的同时同步推动制度创新，以适度为基本出发点，以有效的风险控制为前提，以审慎的风险监管为保障。 【Abstract】 Chinas entry into the World Trade Organization, China has ten years financial opening, financial liberalization, deepening of Chinas financial system become more integrated into the global financial system. Chinese Banks must increase the strength of financial innovation and carried out comprehensive cooperation to compete with foreign Banks. But the financial crisis happened in recent years that financial innovation becomes maudlin, and is believed to be the cause of the financial crisis culprit. After Chinas banking entering post-crisis era, financial innovation and risk management how to coordinate the development of this is the key of research. This article from the change of market environment and the demand of the power of innovation that innovation is the China banking ascension of sustainable profitability power, but from the lessons of the financial crisis that Chinas commercial Banks should follow the rational financial innovation path，vigorously promote product innovation and promote system innovation, with synchronous moderate basic starting point, in order to control the risk as the premise, and with the prudent risk supervision for security. 关键词：后危机 中国银行业 金融创新 风险管理 【Key Words】risis Chinas Banking Financial Innovation Risk Management [作者简介]陈航，女，中国工商银行新疆分行管理信息部（乌鲁木齐，830000），E-mail:chpan2004@126.com;MBA硕士。电话0991-2327904 这次金融危机伴随着全球经济逐步复苏而渐渐离去，但引发危机的争论还没有停息，客观分析危机演变的全过程充分印证了金融创新尤如双刃剑，如果控制得好，将是金融发展的动力，如果过度的滥用就会引致风险，甚至诱发危机。同时也表明，金融创新的重要性并不会因为危机的产生而被磨灭。金融的发展离不开创新，应该说没有创新也就没有商业银行。金融创新在转移风险，增强流动性和信用创造等方面都有