The Government Regulation Research For The Financial Innovation Products Risks Of Chinese State-owned Commercial Bank

Following the development of the financial innovation products in China, these products also contributed to the rapid economic development. However, the financial innovation products have the possibility of the financial repression; even cause the risk of the economic crisis. This thesis focuses on the causes of financial innovation products risk, to explore the regulation theory of financial innovation risk. In this way, the paper would help government clear the regulation role; perfect the law systems to against financial innovation products risks and prevent the further losses; enhance the government's modernization management level of Chinese state-owned commercial bank; establish a flexible government regulation mechanism, in order to promote the development of financial innovation and financial economy.The introduction part of the thesis firstly is aimed at background, research significance, methodology and innovation points of the research. After that, it is literature review. The first part is the concept definition of financial innovation products risks of Chinese state-owned commercial bank. And then, it expounds the theory of government regulation. In the second part, the thesis combines the feature, risk and causes of Chinese state-owned commercial bank to analysis the current status and problems, analyzes the regulation of state-owned commercial bank financial products innovation risk harder and under the situation of the international financial turmoil, the challenge for the government supervision, At the end of this part, the thesis summarizes the reasons. The third part put forward the suggestions about perfecting supervision legal system of Chinese state-owned commercial bank, risk prevention system; flexible regulation mechanism, etc.At present China, the government regulation research for the financial innovation products risks of Chinese state-owned commercial bank is always based on economics, enterprise management and market regulation. However, with the banking experience for many years, the author focused on analyzing the different risk causes between Chinese state-owned commercial bank, combined with the current Chinese government supervision, and then, put forward the suggestions on government regulation, the various regulatory oversight and supervision legal systems.