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本篇paper代写- Financial innovation讨论了金融创新。金融创新，就是在金融领域通过各种要素的创新性变革和重新组合来引进或者是创造一种新的事物。金融创新既包括金融工具、金融制度、金融市场和金融组织的创新，还包括金融经营理念和经营方式的转变。而制度创新则是整个金融创新的核心，制度创新的存在决定着其他创新所能达到的高度。本篇paper代写由51due代写平台整理，供大家参考阅读。

Innovation refers to "change in the production function", "new combination of factors of production" and "change in economic life from internal innovation". As for financial innovation, it means to introduce or create a new thing in the financial field through innovative reform and recombination of various elements. Financial regulators or finance? C) development activities and creative changes in institutional arrangements, financial instruments, types of business and institutional arrangements in response to various benefits considerations. Financial innovation in a broad sense includes not only innovation of financial instruments, but also innovation of financial systems, financial markets and financial organizations.

Financial innovation in a narrow sense only refers to the innovation of financial instruments and financial services. The financial innovation of commercial Banks refers to the commercial Banks in the profit maximization goal, under the guidance of the concept and system of bank operation and management, financial products and technology and organization form and the development of organizational structure, etc, to change, adjustment and so on a series of financial activities and the floorboard of the economic competition. Financial innovation of commercial Banks includes business innovation, system innovation and management concept innovation. Business innovation refers to the commercial Banks operating in the original basis of a series of innovative activities, usually refers to develop new products and services, business innovation is the core of financial innovation, the other in the field of financial innovation activities are around for the business innovation, business innovation because of commercial Banks increased market share, and profit growth and controls the risk characteristic and value by each big commercial bank.

System innovation is the commercial bank management mode, system arrangement, the organization structure and the China banking regulatory commission regulatory content innovation, system innovation is the premise and guarantee for business innovation, it can lay a good development foundation for the commercial Banks and the market environment. The financial liberalization brought by institutional innovation can provide a broader stage for the innovation of financial services and financial products. The innovation of business philosophy includes the innovation of value criterion, enterprise spirit and financial consciousness, which is the precondition of business innovation and system innovation and an important part of the whole financial innovation. Changing the old management concept and creating a new one can ensure the steady and orderly development of financial activities.

The existing financial innovation model is the government-led financial innovation model and the market-oriented financial innovation model. The so-called government-led financial innovation model is to promote financial innovation through legislation and promulgation of relevant financial management regulations in the implementation of capital flows and monetary policies. For example, the reform of the interest rate regulation, the amendment of the regulations on deposits and loans, the amendment of the central bank law and other financial innovations. The government-led financial innovation model, in which the government is in a dominant position, can determine the degree of financial deregulation, the allocation of financial resources, and the formulation of development strategies. This pattern of financial innovation can be compared to a centrally planned economy you, the government can through the market monopoly or administrative command means to ensure that Banks conform to the will of the reform to achieve the required financial innovation.

The government regards commercial Banks as a tool of its own policy, and fully protects the Banks to weaken the sense of competition between Banks and Banks. In terms of banking system is often complex professional division of labor, including inside and outside the division of the business, have a time limit the length of the division of labor, division of the size of the service object and service industry and the regional detailed division of labor, each bank's business scope is strictly defined at the time of the bank to launch a new innovation must be approved by the government. When market conditions or operating condition changes, there will be the emergence of new financial instruments, but if the configuration and flow in the low efficiency of funds can appear when the money to the high benefit of local flow through new financial instruments.

At this time, market-oriented financial innovation emerged. Under the mode of this kind of financial innovation, almost all Banks is a private enterprise, the role of government is to reduce the unemployment rate, only to promote the development of economy, to maintain price stability and a moderate amount of macroeconomic regulation and control. This mode the bank has the right of a lot of independent innovation, can undertake corresponding innovation by understanding the needs of customers, according to the market changes constantly adjust the policy, standpoint and roots belong to the market. The aim of a series of financial innovations by Banks is to maximize profits. It is worth mentioning that market-oriented financial innovation is mainly represented by the United States and a few developed countries such as the United Kingdom. The United States is the main place and important market for financial innovation. Almost all financial innovation is directly or indirectly related to the United States.

Because of financial innovation is a systematic engineering, tool innovation and technological innovation belongs to the micro level, easy to imitate and introduction, although work is faster than western countries income in our country are less, investigate its reason, mainly because of China's financial system innovation is far behind the technology and tools. System innovation is the core of the whole financial innovation. The existence of system innovation determines the height of other innovations. Therefore, it is necessary to carry out institutional innovation in China. First, to actively promote the reform of interest rate liberalization and accelerate the reform and innovation of commercial Banks on the issue of interest rate liberalization.

By redividing the market share, the financial innovation of commercial bank marketization is promoted. Two is on the innovation of the financial regulation, practice the examination and approval system on financial business in our country, the enumeration method of financial business varieties of legal definition, enumerating method will not be able to list all of the financial business, has a certain limitation. Although financial regulation supports financial innovation, as financial innovation increases the difficulty of regulation, higher regulatory requirements have been put forward for the supervision capability. So we need to according to our country national condition, work out appropriate and reasonable system of financial regulation, fundamentally guarantee and support the development of financial innovation, so as to promote the development of long-term economic stability.

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