金融风险的原因及防范对策研究

分析我国金融制度中的缺陷和不足与面临的金融风险,指出金融机构在经营过程中,由于宏观经济政策的变化、市场波动、金融机构经营管理不善等诸多原因,存在着资金、财产和信誉等遭受损失的可能性,介绍巴塞尔银行有效监管的核心原则将金融风险划分为8种类型,包括信用风险、市场风险、操作风险、法律风险等;系统研讨我国金融风险产生的原因,提出防范和化解金融风险的十种措施。研究的结论,对切实预防和逐步化解金融风险具有现实意义和重要参考价值。

Study on Reasons for Financial Risks and the Countermeasures

The defects,shortages and financial risks in Chinese financial system are analyzed.It is pointed out that,during the operation of financial organizations,there exists a possibility of loss in fund,asset and credit due to the change of macroeconomic policy,the fluctuation of market and the bad management themselves.Based on Basel Bank's core principles of effective supervision,financial risks are classified as 8 types including credit risk,market risk,operation risk,law risk etc.Reasons for financial risks in china are explored.Ten types of countermeasures against financial risks are put forward,which are of great significance to the prevention and control of financial risks in China.