太原 卫文省

Taiyuan WeiWenSheng

　　近日，无论是阅读报纸，还是接触一些行业内的朋友，大家谈到最多的一个词，就是“金融创新”。但笔者也发现，大家对金融创新的感性认识多于理性认识，对于如何实现有效的金融创新，还是比较模糊。从规范金融创新，推动我国金融业长期持续健康发展的角度考虑，笔者认为，对金融创新的理解应走出“五大误区”。

recently,Both read the newspaper,Or contact with some friends in the industry,We talked about one of the most words,is"Financial innovation".But the author also found,Everyone on the financial innovation of the perceptual knowledge more than rational knowledge,As to how to realize effective financial innovation,Or compare fuzzy.From the normative financial innovation,China's financial industry to promote the sustainable and healthy development of long-term point of view,The author thinks that,Understanding of financial innovation should be out of"Five big error".

　　首先，应走出直接榨取客户利润的误区。在此之前，一些金融机构，也出现过各类金融创新的误区。比如个别商业银行美其名曰金融创新，在客户首次申请办理银行卡时，强行搭售短信服务等。这样的金融创新，实际上就是对客户财富的一种掠夺，是在利用金融行业的垄断地位，采取不公平的方式，从客户身上榨取利润，已经引起不少客户的反感。这样的金融创新，可能会在金融机构和老百姓之间制造麻烦和纠纷，必须引起重视。

First of all,Should be out of the direct squeeze profits of our customer's error.Before this,Some financial institutions,Also appeared all kinds of financial innovation error.Such as the United States it yue individual commercial bank financial innovation,For the first time in the customer when apply for bank card,Forced tie-in sale services (SMS).Such financial innovation,In fact is a kind of wealth to the customer plunder,Is in the use of financial industry monopoly position,Take unfair way,From the customer body squeeze profits,Has attracted many customers antipathy.Such financial innovation,May be in financial institutions and between people make trouble and disputes,Must pay attention.

　　其次，应走出通过创新仅仅使本行业、本企业走出经营困境的误区。比如证券行业的朋友抱怨，网点饱和、业务同质化严重、手续费率恶性竞争，已经导致公司（营业部）经营举步维艰，必须通过金融创新使本企业走出经营困境。实际上，某个行业发展到了一定程度，必然出现经营管理上的瓶颈。而行业经营管理上出现危机和瓶颈，仅靠一家企业的金融创新，不可能拯救整个行业。笔者以为，监管层所鼓励的金融创新，必须是能够从根本上解决行业发展的危机和瓶颈，只有这样的金融创新才应该鼓励。

secondly,Should be out through the innovation industry only/The enterprise business out of the erroneous zone.Such as the securities industry friends complain,Network saturation/Business serious homogenization/Procedures rate of vicious competition,Has led to the company(Sales department)Struggling business,Must be through the financial innovation makes the enterprise business out of trouble.In fact,An industry development to a certain degree,Is inevitable bottlenecks in the operation and management.And industry management crisis and bottleneck,Only on an enterprise's financial innovation,Could not save the whole industry.The author thought,The supervisor of encouraged financial innovation,Must be able to fundamentally solve the development of the industry crisis and bottleneck,The only way to the financial innovation will be encouraged.

　　第三，应走出以自我为中心的误区。笔者以为，只有市场需要，客户认可，又能为金融机构带来利润的金融创新才能够长期存在。而在现实生活中，一些金融机构的金融创新却不是这样，他们完全出于自身增加利润增长点的考虑，只计算着如何从客户的腰包里面拿钱，基本上没有考虑客户的感受和市场的认同。比如，在银行网点里面出现代理保险和银行代客理财等“金融创新”，就曾出现银行将客户存单变成保单的闹剧和代客理财使客户遭受损失的情况。这在损害客户利益的同时，也会使得金融机构的信誉蒙受不该有的损失，可谓损人不利己。由此，金融创新必须走出以金融机构自我为中心的误区。

The third,Should be out of the self-centered error.The author thought,Only the needs of the market,Customer recognition,For financial institutions and bring profit of financial innovation can exist for a long time.But in real life,Some financial institutions of financial innovation is not so,They are completely out of their own increase profits growth consideration,Only the calculation from the customer to the inside pocket money,Basically do not have to consider the feelings of customers and market recognition.Such as,In the bank outlets appear in agency of insurance and bank stead, etc"Financial innovation",Has the bank will appear customer CD into policy farce and stead enable customers to suffer loss situation.The damage to the interests of the customers at the same time,Also can make financial institutions reputation suffered ought not to some loss,Benefit is dog in the manger.this,Financial innovation in financial institutions must be out of self as the center of the error.

　　第四，必须走出忽视风险的盲目创新误区。监管层鼓励在风险可测、可控前提下的金融创新。而在现实生活中，个别金融机构看到其他金融机构在金融创新下获得高额利润的诱惑，不顾自身条件盲目攀比。这种不具备条件的金融创新，最终结果可能是害人害己，既为本企业的经营管理带来极大的风险隐患，又使客户的财产和利益处于极大的危险之中，这样的盲目式的金融创新，其效果不言而喻。

The fourth,Must go to ignore the risk of blind innovation error.The supervisor to encourage the risk can be measured/Controlled under the premise of financial innovation.But in real life,Individual financial institutions to see other financial institution in the financial innovation under the temptation of get high profits,Regardless of their own conditions blind bandwagon.This does not have the condition of financial innovation,The final result may be harm set, harm get,Both for the enterprise management brings great risks,And that the customer's assets and interests in great danger,Such blind type of financial innovation,Its effect is self-evident.

　　最后，必须走出规避监管的误区。俗话说，“依规矩，成方圆”，任何一个行业，都必须按照规则办事。个别金融机构断章取义，片面理解监管层鼓励和支持金融创新的政策，条件不成熟的也自主创新、强行闯关，这种情况肯定会带来一系列麻烦，应该时刻提防。

finally,Must go to avoid the mistakes of the supervision.As the saying goes,"In accordance with the rules,ChengFangYuan",Any industry,Must be in accordance with the rules.Individual financial institutions out of context,The one-sided understanding of the supervisor shall encourage and support the policy of financial innovation,The conditions are ripe, and independent innovation/Forced recruit,This kind of situation will bring a series of trouble,Should always beware of.