我国银行业的市场竞争、金融创新与风险防范

竞争是商业银行进行金融创新的动力,而金融创新是提高银行核心竞争力的重要途径.在我国加入WTO后,商业银行面临的竞争日趋激烈,这不仅包括银行业内部的竞争,还包括与外资银行、非银行金融机构及资本市场的竞争.在这种环境下,我国的商业银行必须注重在观念、制度以及金融工具三个方面进行创新,这是提高核心竞争力的主要途径.然而,金融创新是一把双刃剑,其在提升商业银行核心竞争力,争取更大市场份额的同时,也给商业银行带来了无法回避的风险,有时这种风险甚至是致命的.因此,商业银行在创新过程中,必须加强对金融创新的监管并重视监管的有效性.

Market Competition, Financial Innovation and Risk Aversion by Our Banking Industry

Competition is a driving force for commercial banks to make financial innovations. Financial innovations play an important role in sharpening the core competitiveness of banks. After China's accession into WTO, commercial banks are confronted with increasing fierce competition not only from among domestic banks, but also from foreign-funded banks, non-financial institutions and capital market. Under the circumstances, our state-owned commercial banks should attach importance to innovations in three aspects, e.g. concept, system and financial instruments. Such approach is the key to increase their core competitiveness. However, financial innovation is a double-edge sword. While increasing the core competitiveness of commercial banks and enlarging market shares, it brings about unavoidable risks, sometimes even fatal dangers. Therefore, commercial banks should strengthen regulation of financial innovations and underscore the effectiveness of such regulation in the course of innovation.