金融创新对金融危机影响的研究

发布时间：2018-03-29 17:49

本文选题：金融创新　切入点：金融危机　出处：《武汉理工大学》2013年硕士论文

【摘要】：金融创新是当今金融业最热门和最前沿的话题之一,随着中国金融业的不断发展和金融改革的深入,中国金融创新的发展步伐将会越来越快。众所周知,金融创新是一把双刃剑,金融创新既能促进经济发展,又能冲击金融稳定。我国大力发展金融创新除了能够积极促进我国金融业改革与发展,还可能给我国金融市场的稳定带来一些风险和冲击。鉴于金融创新双刃剑的性质,我们需要对我国金融创新的风险保持警惕,要对过往的问题和教训认真分析,找准自己发展金融创新的路径。本文着眼于研究金融创新对金融危机的不利影响,研究金融创新如何引发金融危机,分析我国应该如何避免金融创新引发金融危机,以此促进金融创新在我国的发展。金融创新最近一次显现它强大的破坏力是在美国次贷危机之中,本文第二章介绍了美国次贷危机爆发的过程和风险的传导机理,分析了一些典型金融创新工具在次贷危机发展过程中所起的作用；本文第三章着力从“金融创新增加金融风险”、“金融创新脱离实体经济”和“金融创新脱离金融监管”三个层面分析金融创新对次贷危机的不利影响,总结出金融创新的高风险性、过度虚拟化和过度自由化这三大问题是金融创新诱发次贷危机的主要原因；本文第四章通过辨证分析和总结金融创新的利与弊,倡导理性看待金融创新,重申中国在当今社会创新与进步的大潮流下发展金融创新的必要性；本文第五章从金融产品和金融制度两方面分析了我国金融创新的历史和现状,在此基础上结合前文分析得出的经验教训,阐述本文对我国发展金融创新的对策建议。
[Abstract]:Financial innovation is one of the hottest and most advanced topics in the financial industry today. With the continuous development of China's financial industry and the deepening of financial reform, the pace of financial innovation in China will grow faster and faster. As we all know, Financial innovation is a double-edged sword. Financial innovation can not only promote economic development, but also impact financial stability. It may also bring some risks and impacts to the stability of our financial market. In view of the nature of the double-edged sword of financial innovation, we need to remain vigilant about the risks of financial innovation in our country, and carefully analyze the problems and lessons learned from the past. This paper focuses on the adverse effects of financial innovation on financial crisis, studies how financial innovation causes financial crisis, and analyzes how to avoid financial crisis caused by financial innovation in China. In order to promote the development of financial innovation in China. The most recent time that financial innovation has shown its great destructive power is in the subprime mortgage crisis in the United States. The second chapter introduces the process of the outbreak of the subprime mortgage crisis in the United States and the transmission mechanism of the risks. This paper analyzes the role of some typical financial innovation tools in the development process of the subprime mortgage crisis; The third chapter analyzes the adverse effects of financial innovation on the subprime mortgage crisis from three aspects: "Financial innovation increases financial risk", "financial innovation is divorced from the real economy" and "financial innovation is divorced from financial supervision". It is concluded that the high risk of financial innovation, excessive virtualization and excessive liberalization are the main reasons for financial innovation to induce the subprime mortgage crisis. Chapter four analyzes and summarizes the advantages and disadvantages of financial innovation through dialectical analysis. Advocating the rational view of financial innovation, reaffirming the necessity of developing financial innovation in China under the tide of social innovation and progress, the fifth chapter analyzes the history and present situation of financial innovation in China from the aspects of financial products and financial system. On the basis of the above analysis, this paper expounds the countermeasures and suggestions for the development of financial innovation in China.
【学位授予单位】：武汉理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832

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