银行业金融产品创新：现状、效应与策略

对于本次危机的根源,国内外学者比较一致的观点是,金融创新过度而缺乏相应的风险防范机制。在中国金融业全面开放创新的背景下,如何借鉴危机前后国外银行业金融创新的经验和教训,促进中国银行业金融创新更好、更快的发展,具有重要的理论和实践意义。本文首先基于利率、汇率市场化进程加快,城镇居民收入水平提高,金融脱媒以及银行资本约束等动因视角详细分析了我国银行业金融产品创新的现状,在此基础上,对我国银行业金融创新的积极效应进行分析,如缓解期限错配现象、加强风险管理能力,提高资本充足率、加强市场约束,增加中间业务收入,推动利率和汇率市场化等。最后,本文提出了进一步提升我国银行业金融产品创新的策略,其中包括：金融创新必须注重风险防范、实施混业经营,促进金融创新、实施金融创新由外力推动向内部驱动转变等。

Banking's Financial Production Innovation:Current Situation,Effect and Its Suggestions

As the origin of the financial crisis, many scholars think financial innovation is excessive and mechanism of risk management is deficient. Under the background of opening and innovation of China Banking, it is very significant that we draw lessons from the experience of financial innovation from abroad; to promote the development of Chinese banking＇s financial innovation. Based on viewpoint of marketing course of interest rate and exchange rate, enhance of income, plight of the media and banking＇s capital discipline, the paper analyzes the current situations of our country＇s banking＇s financial production innovation, then studies its opposite effects, for example, to weaken the phenomenon of term mismatch, to emphasize the ability of risk management, to advance capital adequacy ratio, to enforce market discipline, to increase the income of intermediate businesses. Finally, the paper puts forward some suggestions that we how to prompt the development of our country＇s banking＇s financial production innovation, for example, we must emphasize the risk management of financial innovation, carry out mixed operation, promote financial innovation and so on.