新常态下金融风险的有效防范机制研究

Research on Effective Preventive Mechanism of Financial Risk under the New Normal

投资增值始终高于利率,是保持金融系统稳定的关键因素。但在新常态阶段我国的投资收益大幅降低,加之受到美元加息等因素的影响,我国的实际利率将进一步提升,投资收益将难以匹配利率增长。同时近年来我国的外汇占款大幅减少,央行难以再为金融机构提供新鲜货币。在这一背景下,债务违约风险将不断加剧,建立有效的防范机制,是避免系统性金融风险的重要工作。

Investment value-added is always higher than interest rate and is a key factor in maintaining the stability of the financial system. However,in the new normal stage,China's investment income has been greatly reduced.At the same time,in recent years,China’s foreign exchange account has been greatly reduced,and it is difficult for the central bank to provide fresh money to financial institutions.In this context,the risk of debt default will continue to increase,and the establishment of an effective prevention mechanism is an important task to avoid systemic financial risks.