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一场由美国次贷危机引发的全球金融危机,至今仍未探底。这场金融危机的根源是美国实行“新自由主义”的资本主义经济模式,直接原因是脱离实体经济发展滥用金融创新产品,并疏于金融监管。虽然这场危机的直接原因是金融创新,但是我们不能因此停止金融创新,相反,要在吸取这场金融危机教训的基础上不断继续金融创新,并在金融创新中切实做到:金融创新立足于实体经济并服务于实体经济;金融创新与金融监管并重,加强场外监管,保证金融创新的基础资产质量,审慎对待复杂的金融产品创新,规范信用评级,加强风险控制;坚持行之有效的外汇管理政策。
A global financial crisis triggered by the U.S. subprime mortgage crisis has not hit bottom yet. The root cause of this financial crisis is the capitalist economic model of “neoliberalism” practiced by the United States. The direct cause is the abuse of financial innovation products from the development of the real economy and neglect of financial supervision. Although the direct cause of this crisis is financial innovation, we can not stop financial innovation on the contrary. On the contrary, we must continue to innovate financially based on the lessons learned from this financial crisis and make concrete efforts in financial innovation. Financial innovation should be based on The real economy and serve the real economy; pay equal attention to financial innovation and financial supervision, strengthen OTC regulation, ensure the quality of the underlying assets of financial innovation, treat the complicated financial product innovation with caution, standardize the credit rating and strengthen risk control; and insist on effective foreign exchange Management policy.