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技术创新让融资方式出现诸多变化,使得商业银行在发展过程实现结构转化,出现众多的衍生品。当前,金融行业呈现的衍生品的等级较低,随着金融发展形势出现一定的转化。虽然衍生品的发展种类较多,但是因为其发展等价较低,就导致在发展过程中出现诸多的信用风险。这些风险的出现,让整体金融发展呈现很多的发展不稳定性,为此要实现有效的解决,提升金融行业发展的质量。本文在此基础上对该项内容进行一定的研究,并提出一些解决的意见。
Technological innovations have brought about many changes in financing methods, which have led commercial banks to transform their structures in the development process with numerous derivatives. At present, the financial industry presents a lower level of derivatives, with some changes in the financial development situation. Although there are more types of derivatives, their lower equivalent development leads to many credit risks in the development process. The emergence of these risks has given rise to a lot of instability in overall financial development. To this end, we must effectively solve the problem and improve the quality of the development of the financial industry. Based on this, this article will make some research on the content and put forward some suggestions.