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1、論金融創(chuàng)新對金融發(fā)展的影響福建江夏學(xué)院金融學(xué)院投資經(jīng)理陳嘉帥20150523摘要金融創(chuàng)新是金融發(fā)展的一把雙刃劍，不僅會對金融發(fā)展產(chǎn)生積極促進(jìn)作用，也會產(chǎn)生一定的消極影響。從積極面看，金融創(chuàng)新增強了金融機構(gòu)、金融市場的運作效率，同時促進(jìn)了金融制度的發(fā)展。從消極面看，金融創(chuàng)新加大了金融業(yè)的風(fēng)險，削弱了貨幣政策的運行效率，降低了金融體系的穩(wěn)定性和金融監(jiān)管的有效性，同時還增加了發(fā)生金融危機的概率。但是金融創(chuàng)新整體上利大于弊，要大力發(fā)展，我國金融創(chuàng)新起步較晚，相對落后，金融業(yè)的全面開放將引發(fā)我國金融創(chuàng)新高潮，同時也對我國金融監(jiān)管體制提出
2、嚴(yán)峻挑戰(zhàn)，只有需要依據(jù)本國國情，以創(chuàng)新指導(dǎo)實踐，注重加強金融監(jiān)管，走有中國特色的金融創(chuàng)新道路才能在競爭激烈的國際舞臺上立于不敗之地。[關(guān)鍵詞]金融創(chuàng)新；金融發(fā)展；金融監(jiān)管；影響loanapprovalandpostcreditapprovalofficer/atalllevelsinaccordancewithcreditapprovalrules,licensingandeventualexerciseofcreditdecisionpowerofpersonsorinstitutions.Reviewfindingsand
3、reviewcomments,accordingtotheBank'scredit9AbstractFinancialinnovationisadouble-edgedsword,inthedevelopmentoffinancialwillnotonlyhaveapositiveroleoffinancialdevelopment,alsocanproducecertainnegativeimpact.Fromthepositiveside,financialinnovationtoenhancetheoperational
4、efficiencyofthefinancialinstitutions,financialmarkets,whilepromotingthedevelopmentofthefinancialsystem.Fromnegative,financialinnovationtoincreasetheriskofthefinancialsector,weakentheefficiencyofmonetarypolicy,reducetheeffectivenessofthestabilityofthefinancialsystema
5、ndfinancialregulation,butalsoincreasetheprobabilityoffinancialcrisis.Financialinnovationbutoverallnotdomoreharmthangoodtodeveloping,financialinnovationinChinastartedlate,relativelybackward,thefinancialindustrycomprehensiveopeningwilltriggeraclimaxoffinancialinnovati
6、oninourcountry,andalsoputsforwardseverechallengesonfinancialregulatorysysteminChina,itisonlytobeonthebasisofitsnationalconditions,withinnovationtoguidepractice,payattentiontostrengthenfinancialregulation,financialinnovationwithChinesecharacteristicsroadtoimpregnable
7、inthefiercecompetitionintheinternationalarena.Keywords:financialinnovation;Financial;development;Financialregulation;impactloanapprovalandpostcreditapprovalofficer/atalllevelsinaccordancewithcreditapprovalrules,licensingandeventualexerciseofcreditdecisionpowerofpers
8、onsorinstitutions.Reviewfindingsandreviewcomments,accordingtotheBank'scredit9目錄摘要1Abstract2一、引言4二、金融創(chuàng)新對金融發(fā)展的積極影響4(二)金融創(chuàng)新提高了金融市場的運作水平5(三)金融
