Generally speaking, the financial innovation can help to build a marketised transaction system, promote the perfection level of the financial market, improve the information condition and decrease the transaction cost to promote the financial efficiency.

• 总的说来,金融创新通过有利于建立一个市场化的交易体系、提高金融市场的完全程度、改善信息条件和降低交易费用等提高了金融效率。