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金融创新是现代金融业发展的动力,是提升我国金融业服务水平的关键,更是增强我国金融业核心竞争力的根本。金融创新游走于法律制度的边缘,根据最高人民法院《关于人民法院为防范化解金融风险和推进金融改革发展提供司法保障的指导意见》,商业银行应充分重视监管部门的态度和监管意图,把握国家宏观政策导向和宏观经济形势,在控制风险底线、最大限度满足客户需求的前提下开展产品和业务创新。
Financial innovation is the driving force for the development of the modern financial industry, the key to enhancing the service level of the financial industry in our country and the basis for enhancing the core competitiveness of China’s financial industry. According to the Guiding Opinion of the Supreme People’s Court on Judicial Protection Provided by People’s Courts to Prevent and Dissolve Financial Risks and Promote Financial Reform and Development, commercial banks should pay full attention to the attitude and regulatory intent of regulatory authorities, National macro-policy orientation and macroeconomic situation, and carried out product and business innovation on the premise of controlling the risk bottom line and meeting the needs of customers as much as possible.