金融创新必须服务于实体经济的发展需求  

Financial Innovation must Serve the Development Needs of the Real Economy

作　　者：黄刚伟[1,2] Huang Gangwei

机构地区：[1]吉林大学珠海学院国际贸易与金融系 [2]北京大学深圳研究院金融创新中心

出　　处：《珠江论丛》2017年第1期41-46,共6页Pearl River Forum

摘　　要：金融创新必须服务于实体经济的发展需求,必须提升社会金融资源的配置效率。实体经济的健康发展,是金融创新的依托,而金融创新应当是服务于实体经济发展的手段。脱离实体经济的金融创新,由于不能担负良性金融资源配置,容易走向异化,导致金融风险。金融创新服务实体经济需要制度环境的保障,包括金融监管的提升、精准服务于实体经济的政策环境、健全的信用制度。Financial innovation must serve the needs of the development of the real economy,and the allocative efficiency of social financial resources must be improved. The healthy development of the real economy is the basis of financial innovation,and financial innovation should serve the development of the real economy. Financial innovation that is divorced from the real economy can easily lead to alienation and lead to financial risks because it cannot assume the allocation of benign financial resources. Financial innovation serving the real economy needs system environment guarantee including the upgrading of financial regulation,accurate service in the real economy policy environment and a sound credit system.

关 键 词：金融创新 实体经济 金融风险 金融监管 信用制度 

分 类 号：F830[经济管理—金融学]