摘要
本文回顾了金融创新的相关理论,在分析目前理论研究存在不足的基础上,运用期望理论的观点,以中国转轨时期的银行业转型为制度背景,构建了一个金融创新研究的理论模型,并得出了在银行的初始财务状况较好、对金融创新的投入较多、银行家的情操指数较高、任期较长这几个条件同时成立的情况下,金融创新成功的可能性较大的结论。最后运用中国银行业的数据对模型进行了实证检验,验证了这一结论。
This paper reviews some literature of financial innovation. Based on an analysis of the drawbacks of existing research, this paper set up a frame model of financial innovation under institutional background of banking reform in China＇s transitional period, viewed from the prospect theory. Then the paper draws the conclusion that if a bank has good financial condition, and can investment more resources to innovation, if the banker has higher moral rightness and can be incumbent for a long time, the possibility of financial innovation success will be larger. Furthermore, we use data of China＇s banking to show the correctness of the model.
出处
《国际金融研究》
CSSCI
北大核心
2007年第12期45-52,共8页
Studies of International Finance
关键词
金融创新
银行家
财务约束
行为目标
任期
Financial Innovation
Banker
Financial Restraint
Behavioral Object
Term of Office.
