人民币国际化视角下系统性金融风险传导机制、评估与管理研究

On Systematic Financial Risk Transmission Mechanism,Evaluation and Management from RMB Internationalization Perspective

在当前我国经济飞速发展和人民币国际化背景下,金融性金融风险的风范难度有所增加。合理评估金融风险和管理能够有效降低金融系统的风险,是防范系统性金融风险的重要前提。文章梳理系统性风险的定义、发展阶段和发展阶段的基础上,评估人民币国际化视角下我国潜在金融系统性风险促发的可能性,得出当今金融体系尤其是银行“大而不强”的特征使系统性风险有所上升。同时,就金融性风险面临的问题,提出推动金融改革,确保房地产平稳发展和缓解资金流动性风险的三个建议,以期能更好地管理当前的系统性金融风险。

On the basis of sorting out the definition,development stage and development stage of systemic risk,this paper evaluates the possibility of promoting the potential financial systemic risk in China from the perspective of RMB internationalization,and concludes that the current financial system,especially banks,is characterized by“large but not strong”,which makes the systemic risk rise.Finally,in view of the problems faced by financial risks,three suggestions are put forward to promote financial reform,ensure the stable development of real estate and alleviate the liquidity risk of funds,which can better manage the current systemic financial risks.