货币职能视角下我国金融风险的成因和对策分析

The Causes and Countermeasures of China's Financial Risk from the Perspective of Monetary Function

随着中国经济步入新常态,经济增速下行压力加大,发展过程中长期积累的深层次矛盾和问题日益凸显,防范和化解金融风险已经成为经济发展中无法回避的重大理论和时代课题。根据马克思货币理论,由货币流通手段职能所引发的生产相对过剩在我国经济中具体表现为实体经济结构性产能过剩,进而导致货币信用风险,在我国经济中具体表现为企业和政府部门的债务风险以及房地产泡沫风险。必须要在坚持防控金融风险基本原则的基础上,有针对性地防范和化解两类金融风险。

With China′s economy entering the new normal and the increase of the economic growth′s downward pressure,the deep-seated contradictions and problems in the development process become increasingly prominent,so preventing and resolving financial risks have become a major theoretical and realistic issue that cannot be avoided in the process of the economic and social development.According to Marx′s theory of monetary function,the relative excess of production caused by the function of money circulation means in China′s economy is characterized by structural overcapacity of the real economy,which in turn leads to the specific performance of the currency credit risk in China′s economy,which is reflected in the debt risk of enterprises and government departments and the risk of real estate bubbles in China′s economy.In view of this,it is necessary to prevent and defuse two types of financial risks on the basis of adhering to the basic principles of prevention and control of financial risks.