对金融风险成因及防范的探讨

Discussion on Financial Risks and Tactics

从企业风险转嫁为金融风险和金融机构自身经营和管理中生成的风险两个方 面分析了金融风险的成因，并从建立企业抗风险基金、完善银行的内部管理、改善社会信用 环境、努力解决企业过度负债问题、创造一个良好的金融环境、提高金融机构人员素质以增 强风险意识等方面提出了防范金融风险的措施和对策。

This essay analyzes the cause of financial risks from both the financ ial risks transferred by enterprise risks and the financial institution risk ari sing from its management and running. It also put forward the policies to avoid the financial risks from establishing modern enterprise system as soon as possib le, from founding the enterprise risk funds, from bettering the banks insertion managements, from improving the social credit circumstance, from trying hardest to deal with the over-debated problems, from creating a good finance environment and from promoting financial institution personnel qualification and the risk awarenes.