摘要
次贷危机的爆发为我国商业银行金融产品创新的风险控制敲响了警钟。金融创新既为提高商业银行竞争力做出了突出贡献,但也提高了商业银行风险防范的难度。在概括金融创新内涵和商业银行金融产品创新风险特征基础上,分析了我国商业银行金融产品创新风险链条的特征,提出了我国商业银行金融产品创新需要在微观上建立企业战略意识、管理机制、制度创新与产品设计四维度的风险管理体系。
The outbreak of the subprime mortgage crisis sounded the alarm for the risk control of Chinese commercial banks＇financial product innovation. Financial innovation has made outstanding contributions to enhance the competitiveness of commercial banks, but it also increased the difficulty of commercial banks risk prevention. Based on the summary-of financial innovation and risk characteristics of financial product innovation, the financial product innovation chain analyzed, and some suggestions to enhance the risk prevention capacity put forward, including the establishment of corporate strategy, management mechanism, system innovation and product design, the four - dimensional system of risk management is necessary to Chinese commercial banks.
出处
《上海经济研究》
CSSCI
北大核心
2009年第10期26-31,共6页
Shanghai Journal of Economics
关键词
商业银行
金融产品创新
次贷危机
风险防范
Commercial bank, Financial product innovation, Subprime mortgage crisis, Risk prevention
