金融安全视角下的金融周期与金融风险管理

Financial Cycle and Risk Management from the Perspective of Financial Security

金融风险和风险管理都是金融的天然属性,金融体系一方面在管控风险,另一方面又在制造风险,在微观方面表现为金融风险的必然性,在宏观方面表现为金融风险的周期性;熨平金融周期、缓和金融震荡、保持稳态发展,就必须想方设法使金融体系在业务扩张、产品创新过程中制造的金融风险与其自身的管理能力和承受能力相匹配,具体为金融机构的风险监测、风险评估、风险管理能力与其自身风险匹配,和政府提升监管能力、采取有效措施使金融体系发展速度与其风险控制能力相匹配;集中到一点上就是要提升金融风险管理能力。

It is important to control and manage financial risks on China's economic development strategy.Financial risk and risk management are the natural attributes of finance.On the one hand,the financial system may control the financial risk,and on the other hand,they also produce financial risk.In the micro-scale,the financial risk can't be avoided;in the macro-scale,financial risk have the nature of cyclical pattern.It is necessary to find ways to make the financial risks match with their own management capabilities in the business expansion,such as risk monitoring,risk assessment,risk management capabilities.The government should enhance regulatory capacity and take effective measures to make the pace of development of the financial system and its risk control ability to match.Above all,improve the government’s ability for financial risk management.