《论金融创新对金融发展的影响.docxVIP

论金融创新对金融发展的影响福建江夏学院金融学院投资经理 陈嘉帅要金融创新是金融发展的一把双刃剑，不仅会对金融发展产生积极促进作用，也会产生一定的消极影响。从积极面看，金融创新增强了金融机构、金融市场的运作效率，同时促进了金融制度的发展。从消极面看，金融创新加大了金融业的风险，削弱了货币政策的运行效率，降低了金融体系的稳定性和金融监管的有效性，同时还增加了发生金融危机的概率。但是金融创新整体上利大于弊，要大力发展，我国金融创新起步较晚，相对落后，金融业的全面开放将引发我国金融创新高潮，同时也对我国金融监管体制提出严峻挑战，只有需要依据本国国情，以创新指导实践，注重加强金融监管，走有中国特色的金融创新道路才能在竞争激烈的国际舞台上立于不败之地。[关键词] 金融创新；金融发展；金融监管；影响AbstractFinancial innovation is a double-edged sword, in the development of financial will not only have a positive role of financial development, also can produce certain negative impact. From the positive side, financial innovation to enhance the operational efficiency of the financial institutions, financial markets, while promoting the development of the financial system. From negative, financial innovation to increase the risk of the financial sector, weaken the efficiency of monetary policy, reduce the effectiveness of the stability of the financial system and financial regulation, but also increase the probability of financial crisis. Financial innovation but overall not do more harm than good to developing, financial innovation in China started late, relatively backward, the financial industry comprehensive opening will trigger a climax of financial innovation in our country, and also puts forward severe challenges on financial regulatory system in China, it is only to be on the basis of its national conditions, with innovation to guide practice, pay attention to strengthen financial regulation, financial innovation with Chinese characteristics road to impregnable in the fierce competition in the international arena.Keywords: financial innovation; Financial; development; Financial regulation; impact目录摘要1Abstract2一、引言4二、金融创新对金融发展的积极影响4(二)金融创新提高了金融市场的运作水平5(三)金融创新完善发展了金融制度6三、金融创新对金融发展的消极影响8（一）金融创新减弱了货币政策的运行效果8(二)金融创新动摇了金融体系的根基8(三)金融创新加大了金融监管的难度8(四)金融创新使金融危机发生的概率上升9四、对我国金融创新与金融发展的启示9[参考文献]10一、引言金融创新是指变更现有的金融体制和增加新的金融工具，以获取现有的金融体制和金融工具所无法取得的潜在的利润，它是一个为盈利动机推动、缓慢进行、持续不断的发展过程。金融创新是金融业为适应实体经济发展的要求在制度安排、金融工具、金融产品等方面进行