国内外金融创新进展及其在中国的发展趋势

当前中国金融市场进入了全面开放时期，国内外金融机构将在同一个市场环境和同一套监管规则下直接竞争。在新的竞争形势下，实体经济对金融服务的需求量正在迅速扩大，需求层次也在不断提高，金融创新将进入全新的发展时期。本文在对国内外金融创新现状做出全面分析和评价的基础上，从金融业务创新、金融体制改革的深化、资产证券化和证券投资机构化、衍生金融工具市场发展和混业经营等多个角度，探讨了中国金融创新的发展趋势。

The situation of financial innovation and its development trend in China

Nowadays, financial market is entering all-round opening period in China, financial institutions at home and in abroad will compete with each other in the same market and supervision rules. Demand quantity and demand level of real economy to financial services are enlarging and improving quickly, in the new condition, financial innovation will enter a brand-new development period. This paper discusses the development trend of the financial innovation in china from the perspectives of financial business innovation, financial system reform, securitization, and institutionalization, the development of derivative financial instrument and mixed operation on the basis of analyzing and evaluating the situation of financial institutions at home and in abroad on financial innovation.