后疫情时代中小银行金融风险防范与应对

Financial Risk Prevention and Response of Small and Medium-sized Banks in the Post-Epidemic Era

三年新冠肺炎疫情对全球经济运行秩序造成了严重破坏,给我国实体经济带来了巨大冲击。当前,我国经济恢复的基础尚不牢靠,需求收缩、供给冲击、预期转弱三重压力仍然较大,区域性金融风险隐患仍然存在,个别领域风险较为突出,中小银行的正常经营发展更是举步维艰。身处后疫情时代,保持中小银行持续稳健发展,做好金融风险的防范与应对是维护金融稳定的关键任务。基于此,本文深度剖析中小银行面临的风险与挑战,针对部分突出问题提出金融风险防范对策。

The three-year new crown pneumonia epidemic has caused serious damage to the order of the global economic operation,and brought great impact to the real economy of China.At present,the foundation of China's economic recovery is not yet firm,the demand contraction,supply shock,the expectations of the weakening triple pressure is still greater,regional financial risk potential still exists,individual areas of risk is more prominent,the normal operation and development of small and medium-sized banks is even more difficult.In the post-epidemic era,to maintain the sustained and sound development of small and medium-sized banks,and to do a good job in preventing and responding to financial risks is a key task in maintaining financial stability.Based on this,this paper analyzes the risks and challenges faced by small and medium-sized banks,and puts forward financial risk prevention countermeasures for some of the prominent problems.