关于区域金融风险传导机制及其防范研究

On the transmission mechanism of regional financial risk and its prevention

本文以区域为研究空间载体,同时兼顾区域内与区域间,试图探究具有完整性和系统性的区域金融风险传导机制。区域内研究着重以经济运行主体的四大经济部门为主要研究对象,分析区域内政府部门、企业部门、家庭部门以及金融部门可能存在的风险源及其传导路径;区域间是通过区域间银行债权债务关系网、企业担保链条以及区域产业分工进行传导。在此基础上,分别从完善区域金融风险监控和协作体系、提高银行资产质量、规范地方融资平台管理以及加强企业风险源监测提出相应建议。

Financial security is an important part of national security. Regional financial risks are closely related to financial security. Preventing regional financial risks is conducive to maintaining national financial security and stability. This paper takes the economic sector as the research object of economic operation as the research object, and takes into account the inter-departmental relationship as a clue to try to explore the regional financial risk transmission mechanism with integrity and system. The study finds that regional financial risks will evolve and interact within the four main bodies of the public sector, the enterprise sector, the financial sector and the family sector, with debt debt relationships as the chain;inter-regional financial risks are mainly carried out through the flow of funds and production factors. Conduction. Based on the research of transmission mechanism,the corresponding countermeasures and suggestions are proposed from the regional financial risk monitoring system, bank asset quality, local financing platform and enterprise risk supervision.