Analysis On The Rationalization Limit Of Financial Innovation Under The Views Of Philosophy

April 2007, the risk of U.S. subprime loans began to emerge, of which the beginning was the United States-New Century Mortgage Corporation filing for bankruptcy, and then the risk spread rapidly to various types of securitization goods supported by subprime loans. Soon, this turmoil turned into financial crisis, and then developed into economic crisis which affected real economy and expanded to the whole world. A major reason for this global financial crisis was abusing the financial invitation. Excessive financial invitation made fictitious economy out of real economy, and built the whole economy system on the high-risk bubble economy.This paper analysis the quality, quantity and degree by the point of view in philosophy, and then reconsiders the rationalization limit of financial invitation referring to the basic principle of Marx's labor value. It analysis how to make financial invitation promote human capital, physical capital and intangible capital to create value from three aspects:financial derivatives, consumer credit and money issue. Of course, the purpose is to find the rationalization limit of financial invitation and to avoid the negative impact of it.Based on the theoretical analysis, combing with the influence from U.S. subprime loans to the global financial market and Chinese economy, the paper proposes some suggestions separately on how to supervise financial derivatives, consumer credit and money issue effectively and to prevent financial risks.