本文選題：金融創(chuàng)新　切入點(diǎn)：金融危機(jī)　出處：《武漢理工大學(xué)》2013年碩士論文

【摘要】：金融創(chuàng)新是當(dāng)今金融業(yè)最熱門和最前沿的話題之一,隨著中國(guó)金融業(yè)的不斷發(fā)展和金融改革的深入,中國(guó)金融創(chuàng)新的發(fā)展步伐將會(huì)越來越快。眾所周知,金融創(chuàng)新是一把雙刃劍,金融創(chuàng)新既能促進(jìn)經(jīng)濟(jì)發(fā)展,又能沖擊金融穩(wěn)定。我國(guó)大力發(fā)展金融創(chuàng)新除了能夠積極促進(jìn)我國(guó)金融業(yè)改革與發(fā)展,還可能給我國(guó)金融市場(chǎng)的穩(wěn)定帶來一些風(fēng)險(xiǎn)和沖擊。鑒于金融創(chuàng)新雙刃劍的性質(zhì),我們需要對(duì)我國(guó)金融創(chuàng)新的風(fēng)險(xiǎn)保持警惕,要對(duì)過往的問題和教訓(xùn)認(rèn)真分析,找準(zhǔn)自己發(fā)展金融創(chuàng)新的路徑。本文著眼于研究金融創(chuàng)新對(duì)金融危機(jī)的不利影響,研究金融創(chuàng)新如何引發(fā)金融危機(jī),分析我國(guó)應(yīng)該如何避免金融創(chuàng)新引發(fā)金融危機(jī),以此促進(jìn)金融創(chuàng)新在我國(guó)的發(fā)展。 金融創(chuàng)新最近一次顯現(xiàn)它強(qiáng)大的破壞力是在美國(guó)次貸危機(jī)之中,本文第二章介紹了美國(guó)次貸危機(jī)爆發(fā)的過程和風(fēng)險(xiǎn)的傳導(dǎo)機(jī)理,分析了一些典型金融創(chuàng)新工具在次貸危機(jī)發(fā)展過程中所起的作用；本文第三章著力從“金融創(chuàng)新增加金融風(fēng)險(xiǎn)”、“金融創(chuàng)新脫離實(shí)體經(jīng)濟(jì)”和“金融創(chuàng)新脫離金融監(jiān)管”三個(gè)層面分析金融創(chuàng)新對(duì)次貸危機(jī)的不利影響,總結(jié)出金融創(chuàng)新的高風(fēng)險(xiǎn)性、過度虛擬化和過度自由化這三大問題是金融創(chuàng)新誘發(fā)次貸危機(jī)的主要原因；本文第四章通過辨證分析和總結(jié)金融創(chuàng)新的利與弊,倡導(dǎo)理性看待金融創(chuàng)新,重申中國(guó)在當(dāng)今社會(huì)創(chuàng)新與進(jìn)步的大潮流下發(fā)展金融創(chuàng)新的必要性；本文第五章從金融產(chǎn)品和金融制度兩方面分析了我國(guó)金融創(chuàng)新的歷史和現(xiàn)狀,在此基礎(chǔ)上結(jié)合前文分析得出的經(jīng)驗(yàn)教訓(xùn),闡述本文對(duì)我國(guó)發(fā)展金融創(chuàng)新的對(duì)策建議。
[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.
【學(xué)位授予單位】：武漢理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832

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