我国与西方金融创新动因之比较

金融创新的动因是推动金融创新的动力之源,西方已形成了较为成熟的金融创新动因理论,而我国对金融创新理论的研究才刚刚起步,且我国与西方金融环境的差异决定了金融创新动因的不同。因此,比较我国与西方金融创新的动因有较强的理论与现实意义。通过比较后发现,西方的有些金融创新理论不适用于我国,我国金融创新的有些动因也不完全局限于西方的理论。

A Comparison Study on the Motivation of Financial Innovation between our Country and Western Countries

The motivation of financial innovation drives the development of financial innovation and there are more mature theories about it in the western countries than in our country. There exist different rinds of motivation of financial innovation between our country and the western countries because of financial environment's discrepancy. Therefore,this article has great signification in theory and in practice. The motivation of financial innovation can be classified in three kinds, that is, adapting to the change of demand,adapting to the change of supply and evading rules of law. On the basis of the comparison it is found that many kinds of motivation of financial innovation in the western countries are not directly applied in our country and some in our country are not completely limited by the western theories.