次贷危机背景下对金融创新和金融监管问题的思考

金融创新与金融监管相互制约、相互促进,金融监管诱发了金融创新,没有金融监管制约的金融创新将影响金融安全。美国次贷危机的爆发,与房地产金融在缺乏有效监管下的无节制创新密切相关。我国应吸取美国次贷危机的教训,遵循审慎监管的原则,正确处理创新与监管的关系,采取规制性监管与原则性监管相结合的监管模式,完善金融监管协调机制,加强金融监管的跨业合作以及国际协调,构建更加稳健的金融体系。

Thinking of finance innovation and finance supervision problem under the background of subprime crisis

Financial innovation and financial supervision have relationships of restriction and promotion. Without financial supervision, the financial innovation will have a negative impact on financial security. The subprime loans crisis in U.S. is closely related to unrestrained financial innovation, which is lacking effective supervision. We should learn from the crisis, correctly handle the relationship between innovation and regulation, mix with regulations supervision and principled supervision, and strengthen the coordination in supervision both cross -industry and cross-country, in order to build a more stable financial system.