企业经济管理毕业论文.doc

PAGE PAGE 13 高等教育自学考试企业经济管理专业 毕 业 论 文 题 目： 影响我国金融创新因素分析 专 业： 企 业 经 济 管 理 考 号： 010309166181 考生姓名： 张 新 指导教师： 王 涌 哈 尔 滨 理 工 大 学 2012年8月1 2 日 影响我国金融创新的因素分析 摘 要 随着我国经济的不断发展,金融在我国经济领域的地位日益显著。金融的创新也成了制约我国金融业发展的严重问题。金融业有着发展快，变更周期短的特点。而在这样迅速发展的世界金融领域内，创新成为了占据世界金融业一席之地的最重要因素。 所谓金融创新，就是金融领域内各种金融要素的重新组合，即是指金融机构和金融管理当局出于自身经济利益考虑而进行新的金融产品创新金融工具开发、新金融市场建立和金融制度的重新安排等活动。金融创新是对传统金融体制的扬弃,必将触及机制与利益格局的调整,因此它受思想僵化、政治法律因素、金融风险因素、市场因素和技术因素等的制约。 关键词： 金融创新；金融管理；金融风险 The influence factors analysis of financial innovation in China Abstract With the development of our economy, financial economic field in China is becoming more and more significant. Financial innovation has become the constraints of Chinas financial industry development serious problems. The financial industry has developed quickly, change cycle short characteristic. In this rapidly developing world financial field, innovation has become a space for one person to occupy the world financial industry is the most important factor. Financial innovation, financial field in various finance is the combination of factors, namely refers to the financial institutions and financial authorities for their own economic interests and new financial product innovation finance tool development, new financial market and financial system to arrange activities. Financial innovation is the innovation of the traditional financial system develop the useful and discard the useless, be sure to touch mechanism and the adjustment of interest structure, thus it by rigid thinking, political and legal factors, financial risk factors, market factors and technical factors restricting. Key word: Financial innovation；Financial management ；Financial risk 目 录 TOC \o 1-3 \h \z \u HYPERLINK \l _Toc332288681 摘 要 PAGEREF _Toc332288681 \h I HYPERLINK \l _Toc332288682 Abstract PAGEREF _Toc332288682 \h II HYPERLINK \l