演化经济学视野下的金融创新

中文字数:2494,中文页数:3 英文字数:1835页数:6

 金融是现代市场经济的核心，在一国经济发展中处于举足轻重的地位。金融创新己成为经济发展的重要因素和先导力量，具有强大的作用力、渗透力和推动力，金融创新从本质上来说可以降低交易费用，提高融资效率，使金融资源得到更加有效的配置。
 20世纪80年代以来，伴随金融自由化的进程日益加快，信息技术飞速发展以及新兴市场迅速崛起，金融全球化已成为不可逆转的潮流。金融创新以其前所未有的态势和宏大规模席卷了西方各国的金融业，引发了“金融服务业革命”，整个金融市场、金融体系结构以及运行机制都在不同程度上发生了实质性的变化，对一个地区、国家乃至整个世界的经济和社会都产生了重大影响。面对金融全球化迅猛发展、国际金融创新不断涌现，和我国金融创新严重滞后的形势，对金融创新进行全面和系统的研究己是一个非常迫切的问题，具有重要的理论和现实意义。

 As the core of modern market economy, finance plays a key role in the national economy. Now, the financial innovation industry, with its power in reducing the transaction costs, improving the financial efficiency and effective distribution of financial resources, shows great impetus and constitutes as an important contributing factor as technical innovation in economic growth.
 Since the 1980s, with the ever-increasing process of financial liberalization, the fast development of information technology and the rise of new markets, financial globalization shows an unconvertible trend for both the developed and the developing countries. In this background, financial innovation has swept the financial industry in foreign countries with the unprecedented scale and initiated the "revolution in financial services". Consequently, in different degrees, an essential change has taken place in the financial market, the financial system and the financial functional mechanism, which has exerted significant impact on the economy and society of different regions, countries and even all the world.

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