金融创新扩散与经济增长—来自美国商业银行的证据
Financial Innovation Diffusion and Economic Growth—Evidence from the American Commercial Banks
摘要: 技术创新的真正意义绝不在于创新本身，而在于创新的扩散，金融创新也不例外。本文以美国商业银行为研究样本，取其1947 年1 月到2009 年1 月的数据，探索美国商业银行金融创新扩散的最佳曲线及其增长拐点，全面分析在创新扩散的孕育、成长和成熟期金融创新扩散与经济增长的相互关系，最后从创新扩散的角度分析了2008 年的金融危机，试图为避免2008 年金融危机的重演提供一定的借鉴。
Abstract: Technology innovation theory emphasized that the value of an innovation is not innovation itself,but innovation diffusion. Financial innovation is no exception. We uses the data of the American Commercial Banks range from the January of 1947 to the January of 2009 to make the optimal fitting curve and the inflection points, we also comprehensively analysis the correlation between the initial, development and maturity period of financial innovation diffusion and economic growth. Finally, we analyze the financial crisis of 2008 from the angle of financial innovation diffusion in order to have a certain degree of reference for avoiding history repeats itself like the financial crisis of 2008.
文章引用：王建琼, 孟令术. 金融创新扩散与经济增长—来自美国商业银行的证据[J]. 金融, 2011, 1(3): 63-70. http://dx.doi.org/10.12677/fin.2011.13010

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