我国金融创新中的金融安全问题研究

金融创新在带来金融繁荣的同时,也会导致金融动荡和经济衰退。防范系统性金融风险,就要深入了解金融创新和金融安全之间的辩证关系,在确保金融安全的前提下进行金融创新。多年来,我国在进行金融创新的同时,也积聚了诸多安全隐患,如:商业银行内部风险不断暴露、影子银行迅猛扩张累积大量金融风险、债券市场违约愈演愈烈等。为此,未来我国必须依托实体经济,稳步发展金融衍生品市场,不仅要完善金融科技监管框架,推进金融监管体制改革,还要加强金融安全国际监管合作,全面提升金融监管能力。

Study on the Financial Security in China's Financial Innovation

Financial innovation, while bringing about financial prosperity, also leads to financial turbulence and economic recession.To prevent systemic financial risks, it is necessary to deeply understand the dialectical relationship between financial innovation and financial security, and carry out financial innovation on the premise of ensuring financial security.Over the years, China has not only carried out financial innovation, but also accumulated many security risks, such as the internal risks of commercial banks have been exposed continuously, shadow banks have been rapidly expanding and accumulated a lot of financial risks, and bond market defaults have been getting worse.Therefore, in the future, China must rely on the real economy to steadily develop the financial derivatives market,we should not only improve the fin- tech regulatory framework and reform the financial regulatory system, but also strengthen international cooperation on financial security and comprehensively improve financial regulatory capacity.