地方性中小金融机构风险研究

O the Financial Risks of Middle-sized and Small Financid Institutions

金融业是一个特殊的行业 ,其特殊性在于它的高风险。而作为整个金融体系的一个环节——地方性中小金融机构 ,由于其固有的体制特征 ,释放风险的几率更大 ,近年来 ,我国已相继关闭了多家地方性金融机构 ,造成了很大的影响。地方性金融机构的风险已成为当前影响金融安全、制约经济发展、危及社会稳定的一个全局性、普遍性的大问题。金融风险种类繁多 ,成因复杂 ,危害深重 ,备受各金融机构、监管当局和社会各界的关注。实践证明 :防范、控制和化解金融风险 ,维护金融秩序 ,需要社会多方面共同努力。

Local financial institutions, as a link of the whole system, whose probability to release risk will be often on account of its intrinsic character of the system. In the past few years, several local institutions have been closed in succession in China, which has affected great influence. The risks of local institutions have become currently a overall and widespread problem that influences financial security, prevents economy from development, endangers social stability. There are great varieties of financial risks whose contributing factors are complex and the danger brought by the risk are deep and serious. Therefore, each financial institution, supervisors in authority and personalities of various circles are paying close attention to the risks. As a prove of fact: It needs common efforts from all parties to guard against, control, and resolve financial risks and to maintain financial order.