银行业金融创新与金融安全  

Financial Innovation and Financial Security in the Bonking Industry

作　　者：蔡鄂生[1] 

机构地区：[1]中国银行业监督管理委员会,北京市100140

出　　处：《中国流通经济》2009年第8期72-74,共3页China Business and Market

摘　　要：本文认为,金融创新是"双刃"工具,风险与收益并存,银行业经营发展应坚持审慎原则。文章提出,中国银行业金融创新应始终坚持"成本可算、风险可控、信息充分披露"的基本准则,以科学发展观为指导,按照国民经济持续、健康发展的总体要求开展金融创新,持续提高针对金融创新活动的全面风险管理能力,加强投资者教育,提升金融消费者对创新产品的认知能力。The author believes that the financial innovation will brought us with both risks and benefit. So, to promote the development of the banking industry, we should adhere to the principle of conservation. To make innovation in the banking industry, we should adhere to the principle of ＂countable cost, controllable risk and fully disclosed information＂, take the scientific outlook on development as our guide, make innovation in finance according to the requirement of the health development of national economy, improve our capability for risk management, strengthen education for investors and improve the financial consumers＇ capability for the understanding of innovative product.

关 键 词：银行业 金融安全 金融创新 风险管理 

分 类 号：F830[经济管理—金融学]