金融风险的传递与防范

Transference and Precaution of Financial Risks

风险传递是风险扩散、扩大化的一种机制形式。不仅有问题的银行和其他金融机构会以各种方式将风险传递给健康银行 ,使风险在银行体系中扩散 ,而且有问题的金融机构和企业会以令人难以想象的方式迅速扩大风险。“活破产企业”造成的危害更大。金融风险的防范是一项系统工程。及时处理好银行不良资产问题 ,加强非银行金融机构业规范化建设 ,努力建立完善的企业破产制度和市场规范 ,消除企业间的恶性竞争 ,是防范金融风险的四个基本方面。

Risk transference is a mechanism for expanding risks.Not only may unhealthy banks and other financial institutions transfer risks in various ways to healthy banks and make it spread within the banking system,but also unhealthy financial institutions and enterprises can quickly expand risks in unimaginable ways.“The operating bankrupt enterprises”may lead to greater danger to the society.As a result,precaution of financial risks is a systematic project.This paper proposes4countermeasures to avoid financial risks.