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切实保障金融创新中的金融安全——美国次贷危机的教训
引用本文:何德旭,范力.切实保障金融创新中的金融安全——美国次贷危机的教训[J].上海金融,2008(10).
作者姓名:何德旭  范力
作者单位:1. 中国社会科学院财贸经济研究所,北京,100836
2. 全国人大常委会办公厅,北京,100045
摘    要:金融创新与金融安全有着极为密切的关系。金融创新作为金融领域各种要素的重新优化组合和各种资源的重新配置,既有助于金融体系的稳定和金融安全,也可能带来金融脆弱性、危机传染性和系统性风险,从而对金融安全产生负面冲击。实证研究表明,在美国次贷危机的爆发和升级过程中,金融创新扮演了十分重要的角色;"金融创新-金融风险-金融监管-金融再创新"是一个动态的发展过程,如果金融创新信息披露充分、金融创新风险管理有效、金融创新监管到位,那么,金融创新仍然是规避金融风险、保障金融安全的重要途径。

关 键 词:次贷危机  金融创新  金融风险  金融安全

Secure Financial Safety in Financial Innovation——Lesson from Sub-prime Loan Crisis in U.S
He Dexu,Fan Li.Secure Financial Safety in Financial Innovation——Lesson from Sub-prime Loan Crisis in U.S[J].Shanghai Finance,2008(10).
Authors:He Dexu  Fan Li
Institution:He Dexu/Fan Li
Abstract:Financial innovation is closely related to financial safety.In rearranging all financial factors and resources,financial innovation helps build stable financial system and secure financial safety,but it would also bring along financial vulnerability and contagious crisis,spread systematic risks,and threaten financial safety.As proven in our empirical research,financial innovation plays a crucial role in the burst out of sub-prime crisis and its escalation.From financial innovation to financial risks,to financial regulation,and then to financial re-innovation,it is a dynamic developing progress.Under strict financial regulation,financial innovation could still be the important approach to avoid financial risks and secure financial safety.
Keywords:Sub-prime Loan Crisis  Financial Innovation  Financial Risk  Financial Safety
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