构建完善的金融体系 防范与化解金融风险

To Establish A Perfect Financial System in Case of the Form of Financial Risk

如何建立一个既能防范化解金融风险、又能支持经济增长的高效率的金融体系 ,是目前中国经济金融领域面临的一个重要问题。本文首先对此问题进行了理论探讨 ;之后 ,对中国金融业当前存在的主要问题进行了分析与总结 ;最后 ,从银行业的改革与完善、分业经营向混业经营的转变、商业银行不良资产的化解、存款保险制度的建立、中央银行金融风险防范预警系统的建立等方面对这一问题进行了论述。

Today,the most important problem in the face of the Chinese financial institutions is how to estabish an efficient financial system, which can resolve financial risk as well as support the improvements about economy. The first part of this paper analyses it on theory. the dissert followed with it attaches the importance to the actual maladies about Chinese finance. At last, the article disputes it from several ways, such as innovation, bad debts in commercial banks, the establishment of Desposit Insurance Institution and the precaution system about in financial risk to central bank.