中国银行业的金融创新分析.doc

摘 要 摘要 各行各业、政府部门、法人企业、社会组织、自然人等等都需要创新。创新是民族发展、社会进步的不竭动力源泉。当下的中国银行业更需要探究创新、付诸创新，只有创新才能在“洋狼入侵、内忧外患”的形势下，寻求自身的发展空间，只有创新才能在“硝烟弥漫、生死存亡”的战场上赢得优势。事实上，创新是一个市场的活力所在。纵观全球金融业，其发展史本身就是一部创新史。从国际金融格局看，目前创新已成了国际金融活动的主流，科技的进步正促使各国政府及监管当局鼓励本国金融市场创新。中国全面履行对WTO的承诺，标志着中国经济金融将全面融入世界经济体系。在这种情况下，中国银行业将同外资银行在同一起跑线上进行激烈竞争。中外资银行很大的一个差距，就是创新能力的差距。金融创新是当今中国银行业改革发展的客观要求，是银行业规避风险，有效提高国际竞争力，促进银行业科学发展的必然选择。Abstract All the various trades and occupations need to innovation. The innovation is the power of the development of the nationality and the progresses of society. Nowadays Chinese banking industry needs find out and puts to the innovation. In fact, the innovation is a market vigor is at. Looking from the international finance pattern that, at present innovated has become the international finance activity main stream. China comprehensively fulfills to the WTO pledge, symbolized the Chinese economical finance comprehensively will melt into the world economic system. In this kind of situation, the Chinese banking industry carries on the same foreign capital bank on the identical starting line the steep competition. The big disparity of Chinese and the foreign banking, is the ability of innovates. Therefore the financial innovation is now the objective request of the reforms and development of Chinese banking industry, is the inevitably choice for banking industry dodges the risk, effective enhance international competition strength, and promote banking industry science development. Keywords Chinese banking industry ,Financial innovation ,Bank inspector general committee 目 录 1绪论……………………………………………………………………………………………………3 2 我国银行业面临的形势分析……………………………………………………………3 1.1金融创新的必要性……………………………………………………………………………3 1.1.1 传统的金融产品和服务手段无法适应发展的新要求………………………………………………3 1.1.2中国银行业面临的完全开放的竞争环境，面临的挑战越来越严峻………………………………3 1.1.3城乡居民金融意识和金融要求的不断加强…………………………………………………………3 1.2金融创新要和金融稳定共同发展……………………………………………………………4 1.2.1金融稳定和金融创