经济转型升级背景下金融风险的形成与防范——基于墨西哥、韩国与阿根廷三国的对比分析

The Formation and Prevention of Financial Risks Under the Background of Economic Transformation and Upgrading——Based on a Comparative Analysis of Mexico,South Korea and Argentina

金融是新兴国家经济转型升级的重要支撑,但金融在支持一国经济转型升级的同时,其风险问题也日益突出。墨西哥、韩国与阿根廷作为经济转型升级过程中金融支持异化为金融危机的典型案例,其失败的原因在于货币高估引起外汇风险积聚、金融体系不完善及政府债务积累。因此,面对我国金融体系薄弱等现实问题,充分发挥金融创新对经济转型升级的助推作用,应通过合理控制外汇风险、提高政府偿债能力及健全金融体系等措施,防范潜在的金融风险。

Finance is an important support for the economic transformation and upgrading of the emerging countries.But in supporting the transformation and upgrading of a country’s economy,financial risks are becoming increasingly prominent.In the process of economic transformation and upgrading,Mexico,South Korea and Argentina are the typical cases of the financial support have become the financial crisis.The causes of their failure are the overvaluation of currency leads to the accumulation of foreign exchange risk,the imperfect financial system and the buildup in government debt.Therefore,facing the problems of the weakness of the financial system in China,in order to booster the effect of financial innovation on economic transformation and upgrading,we should control the foreign exchange risk in a rational way,improve the government's debt paying ability,strengthen the financial system to prevent the potential financial risks.