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本文以次贷危机为切入点,通过分别分析金融监管和金融创新与该危机的联系,形成对二者关系的全面认识;结合我国资产证券化两次试点的现状及存在的问题展开分析。对我国的金融创新和金融监管活动提出建议,即:重视金融监管,尤其是对于金融创新的监管;尽量发挥金融创新对风险的正面作用;把握好金融监管的“度”。最后,基于对次贷危机的理解,本文提出了我国保险资金投资证券化产品应注意其风险防范以确保金融安全稳定的建议。
This paper takes the subprime mortgage crisis as the starting point, and analyzes the relationship between financial regulation and financial innovation and the crisis separately to form a comprehensive understanding of the relationship between the two. Based on the status quo and existing problems of the two pilots of asset securitization in our country, To our country’s financial innovation and financial regulatory activities put forward proposals, namely: emphasis on financial regulation, especially for the supervision of financial innovation; try to give play to the positive role of financial innovation on the risk; grasp the “degree ” of financial regulation. Finally, based on the understanding of the subprime mortgage crisis, this paper put forward our country’s insurance funds investment securities products should pay attention to its risk prevention in order to ensure the financial safety and stability of the proposal.