从金融海啸看金融产品创新与风险管理

金融产品创新可以提高交易效率、降低交易风险，进而实现资源的优化配置，但它也蕴含着极大的金融风险。本次金融海啸的重要成因和直接导火索是爆发于华尔街的次贷危机，这使人们不得不对金融产品创新和风险管理重新给予高度重视和新的审视。加强对金融产品创新与风险管理问题的研究，切实防范金融风险，已经不仅仅是个别金融企业、金融界甚至某个主权国家自身的经济问题，它将影响到全球的经济发展。本文围绕金融产品创新和风险管理进行了一些初步的探讨和分析。

From the financial tsunami look at the financial product innovation and risk management

Financial product innovation can improve transaction efficiency,reduce transaction risk,and make the most optimum distribution of resources.But it also includes huge financial risk.The important and direct cause of the financial wave is subprime loan crisis of breaking out at wall street,so people pay more attention to and give new scan about financial product innovation and risk management.Reinforcing the research of financial product innovation and risk management and effectively guarding against the fina...