本文選題：金融創(chuàng)新　切入點：后金融危機時代　出處：《哈爾濱工程大學》2013年博士論文　論文類型：學位論文

【摘要】：中國是一個擁有十三億人口的大國，一方面對資本的需求巨大，另一方面形成儲蓄的能力也同樣強大，因而高效的金融中介就顯得必不可少，金融系統(tǒng)已成為支撐中國經濟高速發(fā)展的基本元素。然而，現實是中國金融系統(tǒng)的金融創(chuàng)新能力和服務水平與市場的需求相比還有很大差距。中國金融業(yè)發(fā)展的市場環(huán)境在迅速變化，客戶的需求從傳統(tǒng)的簡單業(yè)務向創(chuàng)新型的金融服務轉變，從單一的產品向一攬子的綜合金融服務轉變。從規(guī)模上看，中國金融市場已經在國際金融市場占有一席之地，但從金融服務的供給角度看，中國金融市場的主要問題是創(chuàng)新能力不足，導致產品單一，不能滿足經濟快速增長和經濟結構的迅速變化的需要。 當我們還在思考如何提高中國金融系統(tǒng)創(chuàng)新能力的時候，百年一遇的全球性金融危機席卷世界，失控的金融創(chuàng)新正是本次危機的元兇。整個西方世界的金融體系在金融危機之后發(fā)生了深刻變革，對于處于經濟轉型時期的中國而言，吸收借鑒發(fā)達國家金融創(chuàng)新發(fā)展中經驗教訓，謀劃后金融危機時代金融創(chuàng)新發(fā)展策略成為當務之急，本文的研究正是在這樣的背景完成的。 本文從分析我國金融創(chuàng)新發(fā)展現狀入手，闡明我國當前我國金融創(chuàng)新的特征及存在的問題，進而對后危機時代金融創(chuàng)新發(fā)展趨勢和我國的金融創(chuàng)新需求進行分析，以此為基礎對后危機時代我國金融創(chuàng)新模式選擇加以研究，最后從動力機制、運行機制和激勵機制等層面對我國金融創(chuàng)新進行機制研究，進而提出后危機時代我國金融創(chuàng)新策略與保障措施。本文的主要工作和創(chuàng)新如下： 第一，對我國金融創(chuàng)新的現狀、特征及存在的問題進行分析。通過梳理金融創(chuàng)新理論對金融創(chuàng)新進行重新定義；通過對我國金融創(chuàng)新發(fā)展現狀的回顧，歸納出我國金融創(chuàng)新特征；在特征歸納的基礎上，對我國金融創(chuàng)新發(fā)展的主要障礙因素進行了分析；分析我國金融深化發(fā)展趨勢及金融創(chuàng)新對經濟增長的作用。通過經驗研究發(fā)現金融深化和金融創(chuàng)新對我國經濟發(fā)展的促進作用有弱化趨勢，，進而指出，加快金融創(chuàng)新和金融市場制度改革，提高金融市場的資源配置效率，是保障我國經濟持續(xù)快速發(fā)展的當務之急。 第二，對后金融危機時代金融創(chuàng)新的發(fā)展趨勢進行研究。從金融危機爆發(fā)的原因可以看出，金融創(chuàng)新并不是金融危機爆發(fā)的根本原因。金融創(chuàng)新只是危機傳播的一個媒介和一種手段。在后危機時代，由于危機帶來的一系列沖擊和影響，金融創(chuàng)新的發(fā)展將出現一系列變化，主要表現在流動性、資產定價、杠桿化、包裝、信用評價、監(jiān)管等六個方面。 第三，對后危機時代我國金融創(chuàng)新需求進行研究。從金融機構、金融市場、整體經濟發(fā)展等多個層面分別剖析了對金融創(chuàng)新的需求，進而闡明了加快推進金融創(chuàng)新在國家經濟生活中的重要意義。 第四，對后危機時代我國金融創(chuàng)新模式選擇進行研究。對金融創(chuàng)新模式的含義和分類進行了闡釋，并對我國金融創(chuàng)新模式的演進以及后危機時代的創(chuàng)新模式選擇進行了理論分析并針對有關問題提出對策建議。 第五，進行金融創(chuàng)新機制分析。通過結構方程模型分析方法，考察各動力要素對金融創(chuàng)新的影響。分析結論表明：完善的金融市場對金融創(chuàng)新具有正向作用；政府支持程度對金融創(chuàng)新具有正向作用；創(chuàng)新意識既可直接作用于金融創(chuàng)新，也可通過影響創(chuàng)新主體需求和金融市場對金融創(chuàng)新產生間接影響；創(chuàng)新主體需求不會直接刺激金融創(chuàng)新。最后，對金融創(chuàng)新運行機制和激勵機制進行研究。 第六，對后危機時代我國金融創(chuàng)新發(fā)展策略進行研究。結合后危機時代金融創(chuàng)新的時代特點和我國的金融創(chuàng)新發(fā)展現狀，分別對金融創(chuàng)新的策略定位、產品創(chuàng)新策略、組織創(chuàng)新策略、制度創(chuàng)新策略以及金融創(chuàng)新的保障措施建設等問題進行了系統(tǒng)研究。
[Abstract]:Chinese is a country with a population of one billion and three hundred million, on the one hand, the huge demand for capital, on the other hand, the formation of savings ability is also great, so it is essential to efficient financial intermediation, financial support system has become the basic elements of China high-speed economic development. However, the reality is Chinese financial system, financial innovation and service the level and the needs of the market there is a big gap between the development of the financial industry. Chinese rapid changes in the market environment, customer demand from traditional simple business to innovative financial services transformation, changing from a single product to the integrated financial services package. In terms of size, China financial market has occupied a space for one person in the international financial market but the supply of financial services, from the point of view, the main problem Chinese financial market is the lack of innovation, resulting in a single product, can not meet the The need for rapid growth and rapid changes in the economic structure.
When we are still thinking about how to improve the innovation ability of Chinese financial system, global financial crisis swept the world, out of control of financial innovation is the culprit of the crisis. The western world's financial system has undergone profound changes in the wake of the financial crisis, for a period of economic transition China, absorbing the experience and lessons the development of financial innovation in developed countries, to plan the post financial crisis era of financial innovation development strategy has become a pressing matter of the moment, this study is done in this background.
This paper analyzes the status quo of China's financial innovation and development of our country, clarify the characteristics of the current financial innovation in China and the existing problems, and then makes an analysis of the post crisis era of financial innovation and the development trend of financial innovation demand in our country, on the basis of the post crisis era of China's financial innovation mode selection research, finally from the the dynamic mechanism, operation mechanism and incentive mechanism in the mechanism of financial innovation in China, and puts forward the innovation strategy of China's financial and security measures of the post crisis era. The main work and innovation are as follows:
First, the status quo of China's financial innovation, characteristics and existing problems are analyzed. Based on the theory of financial innovation and financial innovation to sort out re definition; through reviewing the current situation of the development of financial innovation in China, summed up the characteristics of financial innovation in China; based on characteristic of induction, the main obstacle factors of China's financial innovation and development are analyzed; analysis of China's financial deepening and the development trend of financial innovation's effect on economic growth. The empirical study found that promote financial deepening and financial innovation in China's economic development has a weakening trend, and then pointed out that speeding up the financial innovation and financial market system reform, improve the efficiency of resource allocation of financial market. Security is a pressing matter of the moment China's sustained and rapid economic development.
Second, to research the development trend of financial innovation on the financial crisis after the outbreak of the financial crisis. From the reason we can see that the financial innovation is not responsible for the outbreak of the financial crisis. A media crisis communication and financial innovation is just a means. In the post crisis era, due to a series of crisis impact and influence the development of financial innovation will appear a series of changes, mainly in liquidity, leverage, asset pricing, packaging, credit evaluation, the six aspects of supervision.
Third, we need to study the demand for financial innovation in the post crisis era. We analyze the demand for financial innovation from the financial institutions, the financial market and the overall economic development, and further clarify the importance of accelerating financial innovation in the national economic life.
Fourth, in the post crisis era of financial innovation mode in China were studied. The meaning and classification of financial innovation model are expounded, and the evolution of financial innovation mode of our country and after the crisis era innovation mode selection is analyzed according to the related problems and put forward suggestions.
Fifth, analysis of the financial innovation mechanism. Through structural equation model analysis method, the influence of the driving factors of financial innovation. The analysis shows that improving the financial market has a positive effect on financial innovation; government support has a positive effect on financial innovation; innovation consciousness can not only direct effect on financial innovation, also can indirectly the influence of financial innovation through the influence of the main innovation demand and financial market demand; innovation does not directly stimulate financial innovation. Finally, research on financial innovation mechanism and incentive mechanism.
Sixth, to study the development strategy of China's financial innovation in the post crisis era. The era of financial innovation crisis after the combination of China's financial innovation and development, respectively, strategic positioning of financial innovation, the product innovation strategy, organizational innovation strategy, makes a systematic research on the system innovation strategy and financial innovation safeguard measures the construction and so on.

【學位授予單位】：哈爾濱工程大學
【學位級別】：博士
【學位授予年份】：2013
【分類號】：F832

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本文編號：1578185