金融创新、金融风险与我国金融监管模式研究

本文认为，金融创新的产生对宏观政策的制定、金融市场运行、商业银行透明度都有影响，金融创新能够管理和控制金融风险，也能加剧金融风险的扩大，对金融稳定性会产生很大的负面影响。我国的金融监管应建立健全银行、证券、保险监管机构间以及同宏观调控部门的协调机制，通过中国金融监督管理委员会与国际性金融监管组织的合作，积极参与国际金融监管准则的制定，借鉴国外金融监管经验，不断提高金融监管的专业化水平。

The Study of Financial Innovation,Risks and Supervision System in China

Financial innovation influence macro-policy making,financial market operation and commercial banks' transparency.Financial innovation can manage and control financial risk,on the other hand,it can increase the extension of financial risk,and it creates much negative effect to financial stability.China should establish and improve harmony system of banks,securities,insurance supervision and macro-control department,does a good job of international cooperation with the international financial supervision orga...