压力测试机制助力重大风险防控研究——基于金融风险管控的视角

Stress Testing Mechanism Helps to Prevent and Control Major Risks--From the Perspective of Financial Risk Control

压力测试机制是全球金融领域普遍推行的一种风险管控手段,目前已经从金融业逐步扩展到电商、网络游戏等互联网行业及文化产业等领域。重大危机事件的爆发与处置,对各级政府是否建立有应对重大风险的压力测试机制,提出了反思。鉴于我国当前仍面临不少区域性、行业性重大风险,有必要结合区域或行业具体实际,将压力测试机制逐步推广到重大风险的全口径领域,成为防范各类重大风险的先手和应对与化解重大风险的条件保障。在国家层面建立健全压力测试机制,有助于提升社会治理能力与治理体系现代化,更好地服务于我国经济社会的高质量发展,创新探索防范化解重大风险的中国方案。

Stress testing mechanism is a kind of risk management and control means widely implemented in the global financial field.At present,it has gradually expanded from the financial industry to the Internet industry such as e-commerce,online games and cultural industries.COVID-19 outbreak and disposal is put forward to reflect whether the governments at all levels have established a stress testing mechanism to deal with major risks.In view of the fact that China still faces many regional and industrial major risks,it is necessary to gradually extend the stress testing mechanism to the full scope of major risks in combination with the specific reality of the region or industry,so as to become the forerunner to prevent all kinds of major risks and the condition guarantee to deal with and resolve major risks.The establishment and improvement of the stress testing mechanism at the national level will help to improve the social governance ability and modernization of the governance system,better serve the high-quality development of China’s economic and social development,and innovate and explore China’s plans to prevent and resolve major risks.