构建新型地方金融风险管理体制的构想

Research on How to Construct Management System for Local Financial Risk

地方金融相对于全国整体金融而言,是整个金融体系的微观基础,只有地方金融的风险可控,才能最大程度降低整个国家金融体系的风险。与整体金融风险相比,地方金融有其固有的特征,且在管理体制上也有着不同的设计理念,当前,地方金融风险具有多样性、复杂性、区域性等特征,这些都在不断挑战着现行的地方金融风险管理体制,不断深化地方金融风险管理体制改革,构建新型的地方金融风险管理体系,是确保不发生区域性金融风险,进而保证整体金融安全的重要任务之一。

Local finance,compared with national finance as a whole, is the microfoundation for the entire fin an c ial system. Only when the local financial risk is under control,the risk for the whole nation＇s financial system can be reduced to the greatest extent. Compared with the overall fi - nancial risk,local finance has its inherent characteristics,and it also has different design concept of management system. At present, the local financial risk presents diversity and complexity, an d it also presents regional ch arac te ris tic s and some other ch arac te ris tic s , and such ch arac te ris-tics have been challenging the present management system for local financial risk. Constantly deepening the reform of local financial management system and constructing new management system for local financial risk is one of the important tasks to ensure no regional financial risks to hap - pen, and additionally to ensure the overall financial security.