摘要
理解金融科技内生逻辑和创新强化机制有助于分析金融科技对金融稳定的影响。科学技术、市场行为、宏观监管、人口统计学特点等推动金融机构和企业家在提供金融产品和服务上的创新工作。金融科技强化金融创新。金融创新可区分为表面创新、真实创新和基础创新。研究发现,金融创新强度和深度会对金融体系产生不同的影响:金融创新强度越大,对金融服务的变革及带来的金融风险影响则更为深远持久;表面创新带来的金融风险是可控的,真实创新的金融风险提升风险管理能力,而基础创新则在多数情况下提高金融效率。研究金融创新对金融风险的影响有助于预防和防范金融风险,有助于分类指导并且有针对性采取适当措施防范风险。
Understanding the endogenous logic of financial technology and the mechanism of innovation enhancement is helpful to analyze the impact of financial technology on financial stability.Science and technology,market behavior,macro-regulation,demographic characteristics,etc.promote the innovative work of financial institutions and entrepreneurs in the provision of financial products and services.Fintech strengthens financial innovation.Financial innovation can be divided into surface innovation,real innovation and basic innovation.The study found that the intensity and depth of financial innovation will have different effects on the financial system:the greater the intensity of financial innovation,the more profound and lasting impact on the reform of financial services.Financial risks brought about by superficial innovation can be controlled,True and innovative financial risks enhance risk management capabilities,while basic innovations improve financial efficiency in most cases.Studying the impact of financial innovation on financial risks helps prevent and guard against financial risks,helps categorized guidance and takes appropriate measures to prevent risks.
作者
黄旭平
张协奎
Huang Xuping;Zhang Xiekui
出处
《南京政治学院学报》
CSSCI
2018年第5期47-54,140-141,共10页
Journal of PLA Nanjing Institute of Politics
