70年“中国式防范化解金融风险”的基本经验、面临挑战及前景展望——基于主体—内容—方式的三维视角

The Basic Experience,Challenges and Prospects of “Chinese-style Prevention and Resolution of Financial Risks”in 70 Years——A Three-Dimensional Perspective Based on Subject-Content-Mode

区别于以往的总结式思路,通过构建“主体—内容—方式”的三维分析框架,可以为深入考察“中国式防范化解金融风险”提供更加全面、清晰的视角。“中国式防范化解金融风险”的基本经验包括:横向党政与纵向央地相结合构成强有力的组织保障、“防风险”与“促发展”相结合明确科学的防控方向、指标治理与监督考核相结合提供有效的路径支持。新时期面临的挑战主要包括:在主体层面,尚未形成多元主体协同治理的格局,降低防控效能;在内容层面,“防风险”与“促发展”的协同性不足,削弱动力支撑;在方式层面,指标治理机制运行不畅,诱发诸多治理困境。这就需要从“主体—内容—方式”三个层面,构建多元主体协同治理的格局,提升防范化解金融风险的可持续性;增强“防风险”与“促发展”的协同性,形成防范化解金融风险的长效机制;优化指标治理机制,增强防范化解金融风险的有效性。

Different from the previous summative thinking, this paper provides a more comprehensive and clear perspective for the in- depth study of “Chinese-style prevention and resolution of financial risks” through constructing a three-dimensional analysis framework of “subject-content-mode”. The basic experience of “Chinese-style prevention and resolution of financial risks” includes combining horizontal party-government with vertical center and localities to form a strong organizational guarantee, combining “risks prevention” with “development promotion” to clarify the direction of scientific prevention and control, and combining indicator governance with supervision and assessment to provide an effective path support. The challenges to be faced in the new era consist in the contents as follows: in terms of the subject, there has not yet formed the pattern of multi-agent collaborative governance so as to reduce the effectiveness of prevention and control;in terms of the content, the synergy between “risks prevention” with “development promotion” is insufficient so as to weaken the dynamic support;in terms of the mode, the governance mechanism of the target is not smooth so as to induce many governance dilemmas. It is necessary from the three levels of “subject-content-mode” to construct the pattern of multi-agent collaborative governance and improve the sustainability of preventing and resolving financial risks, enhance the synergy between “risks prevention” and “development promotion” to form a long-term mechanism for preventing and resolving financial risks, and optimize the governance mechanism of indicators to enhance the effectiveness of preventing and resolving financial risks.