金融风险成因分析与对策研究

Causes Analyzing and Strategy Researching of Financial Risks

金融是现代经济的核心。金融业的运行状况对经济发展至关重要。而金融又是高风险行业,金融风险对社会稳定及经济发展危害巨大。通过对当前金融业蕴含的信贷资产风险、超负荷经营风险等九种风险的表现及产生该九种风险的内外原因分析,指出防范化解风险要从提高员工综合素质、加强制度建设、引起舆论关注及提高贷款质量等方面入手。

Finance is the core of modem economy. Its movement plays a vital role in the development economy. In addition, finance is a high - risk industry which threatens the social stabilization and the economic development greatly. In this article, the risks as well as the intrinsic and extrinsic causes for nine kinds of them which lie on the current financial industry are analyzed. It was points out in the articke that actions should be taken to prevent and tolevate the risks by promoting the stairs comprehensive diathesis, reinforcing the construction of regulations, rising up the attention of the public and improving the quality of loans.