中美金融创新的比较研究

金融危机的产生及蔓延,暴露出被公认拥有最健全、最完善、最具代表性的美国金融创新体制的弊端,同时引发出对我国金融创新何去何从的思考。本文阐述了中美现行金融创新的品种、经营体制、监管体制以及与实体经济的关联度,并将两者进行比较,结合金融危机的背景,提出了中国应吸取美国金融创新的经验教训,积极开发出更多的金融产品,促进经营体制向混合经营体制发展,改革现有的金融监管体制,坚持金融创新服务于实体经济,发展适合国情的金融创新。

A Comparative Study of Sino-US Financial Innovation

The emergence and spread of the financial crisis,have exposed drawbacks of the U.S.financial system,which was known for its perfection and representativeness.At the same time,We should think about the financial innovation of our country.This paper listed Sino-US current financial innovation products,described Sino-US operating system,monitoring system and the correlation between Virtual economy and real economy,compared the situation of the two countries above and put forward the suggestion according to the conclusion finally.Specifically,China should learn from the experiences and lessons of financial innovation in the United States,actively develop more financial products,promote the reform of current operating system and monitoring system,and insist that financial innovation should serve for the real economy.