金融创新是指来自金融业内部的种种创造性的变革。具体而言，金融创新是指金融业突破多年传统经营局面，在金融工具、金融方式、金融技术、金融机构及金融市场等方面所进行的创新和变革。金融创新是近年西方金融业中迅速发展的一种趋势，这种趋势从60年代即已开始形成，70年代 Financial innovation refers to the creative changes that come from within the financial industry. Specifically, financial innovation refers to the innovations and changes that the financial industry has made in breaking through many years of traditional management and carrying out financial instruments, financial methods, financial technologies, financial institutions and financial markets. Financial innovation is a trend that has developed rapidly in the western financial industry in recent years. This trend has begun to take shape since the 1960s. In the 1970s