CAJ | 학술논문

文章针对当前经济金融环境下金融创新的正负效应，银行业金融机构创新所面临的风险进行了分析，提出了更新理念，提升自主创新能力；加强创新机制建设，完善创新组织管理体系；建立科学风险评级体系；加强信息技术风险管理；加强对银行业金融机构创新业务的监管以及加强金融业国际间合作等具体措施，旨在促进银行业金融创新的健康发展。
문장침대당전경제금융배경하금융창신적정부효응，은행업금융궤구창신소면림적풍험진행료분석，제출료경신이념，제승자주창신능력；가강창신궤제건설，완선창신조직관리체계；건립과학풍험평급체계；가강신식기술풍험관리；가강대은행업금융궤구창신업무적감관이급가강금융업국제간합작등구체조시，지재촉진은행업금융창신적건강발전。
The article analyses the positive and negative effect of financial innovation and banking financial in- stitution innovation risk in current economic and financial environment, then puts forward new ideas：enhancing in- dependent innovation ability ; strengthening the construction of innovation mechanism ;improving innovation organiza- tion management system; establishing a scientific risk rating system; strengthening the information technology risk management ; strengthening the banking financial institution operation of financial industry specific measures, thereby in financial innovation. innovation business supervision and the international co- order to promote the healthy development of the banking