次贷引发的全球性金融危机,把矛头指向一个方向——如何看待当前方兴未艾的金融创新问题。金融创新是金融机构变革机制、流程,创造新型金融服务和产品,提高竞争力的行为;是金融业生存和发展的必然路径。金融创新背后的根本经济力量是竞争和变化。金融创新的根本出发点是服务实体经济,满足市场的真实有效需求。从历史的角度看,金融业的发展就是一部金融创新的历史。 The Global Financial Crisis Caused by Subprime Mortgage Slanders Point in One Direction - How to Treat the Current Financial Emerging Issue Is Booming. Financial innovation is a mechanism for financial institutions to change, processes, and create new financial services and products to enhance competitiveness; it is the inevitable path for the survival and development of the financial industry. The fundamental economic power behind financial innovation is competition and change. The fundamental starting point of financial innovation is to serve the real economy and meet the real and effective needs of the market. From a historical perspective, the development of the financial industry is a history of financial innovation.