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截至目前,金融危机引发的经济动荡使得整个世界都在反思产品创新、市场机制、市场监管等问题。在这些反思之中,“金融创新过度、衍生产品乃祸根”尤为引人注目。中国金融业的市场化程度决定着人民币国际化的进程,客观评价金融衍生产品的作用,危机刺破的是金融泡沫而不是金融产品本身。人云亦云将使我们的金融服务业错过追赶发达国家的机遇。
Up to now, the economic turmoil triggered by the financial crisis has caused the entire world to reflect on issues such as product innovation, market mechanism and market supervision. Among these reflections, “the over-innovation in finance and the bane of derivatives” are particularly noticeable. The degree of marketization of China’s financial industry determines the process of internationalization of the RMB, objectively evaluates the role of financial derivatives, and the crisis punctured the financial bubble rather than the financial products themselves. Parroting will make our financial services industry miss the opportunity to catch up with the developed countries.