金融生态建设与信贷风险控制——一个基于破产金融机构信贷风险的实证分析

Financial Ecology Construction and Credit Risk Control

金融生态建设是一项长期的、复杂的系统工程,金融生态环境与银行信贷风险息息相关。本文通过对破产金融机构信贷风险的实证分析,指出我国县域金融机构金融生态的劣质性主要是制度性欠缺导致的,其中的关键是管理制度不规范,包括行政制度、信贷制度、法律制度与信用制度的缺失,从而导致信贷风险等一系列问题的发生。最后,本文提出金融生态的改良必须彻底转换政府理念,实施金融机构战略转型,并在全社会推进信用工程建设。

The financial ecology construction is an item of long-term complex systems engineering, the finance eco-environment and the bank credit risk is closely linked. Through demonstration analysis based on bankruptcy financial organ credit risk, it is indicated county territory financial organ finance ecology the inferiority mainly should belong to faultiness of the system, key is the control system is not standard, Including faultiness of administrative system, credit system, legal system and credit system, thus these caused a series of questions occurrence in credit risk our country. The financial ecology must be improved thoroughly by changing the government idea, implementing financial organ strategy reforming, and pushing credit engineering construction at entire society.