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目前,政府主导的宏观层面的金融体制创新和市场主导的微观层面的银行自主创新,构成国内银行业创新的两股推动力量。入世以来,中国银行业正加快全面开放的步伐,银行的自主创新取得了突破性进展,金融创新的市场主导因素发挥着越来越重要的作用。随着银行领域竞争的不断深入,金融创新也进入了一个崭新的发展阶段,在这一进程中,金融监管部门的法制建设发挥着日益重要的作用。
At present, the government-led macro-level financial system innovation and the market-led micro-level bank independent innovation constitute the two driving forces of domestic banking innovation. Since China’s accession to the WTO, the banking industry in China is accelerating its pace of full liberalization. Breakthroughs have been made in the independent innovation of banks. The market leading factor of financial innovation has played an increasingly important role. With the deepening of competition in the banking sector, financial innovation has entered a new stage of development. In this process, the legal supervision of the financial regulatory department plays an increasingly important role.