从次贷危机的角度看金融创新

次贷危机爆发以来，对于金融市场上复杂多变的金融产品的质疑越来越多，人们不得不对金融创新重新开始思考。从次贷危机的发生过程及原因入手，分析危机中的各方主体所出现的主要问题，并进一步分析金融创新的必然性以及由于创新的监管不力所带来的问题。金融创新是金融市场发展的必然途径，但是作为金融市场上的主体及监管者，应该对金融创新的过程保持清醒的头脑，保证监管的创新跟上市场的创新。

Financial Innovation from Perspective of the Subprime Mortgage Crisis

Diverse financial products on financial market have been questioned since the Subprime Mortgage Crisis broke out. which causes people to rethink financial innovation from a new perspective. The paper analyzes the process and main cause of the Subprime Mortgage Crisis, and goes further into the problems of the parties concerned as well as the necessity, supervision and regulation of financial innovation. Innovation plays an important part on financial market; however, we have to keep a clear head about the whole process so that the supervision, regulation and innovation go hand in hand.