区域金融风险控制:中央银行监管系统的轴心

Regional Financial Risk Control:The Supervision System Axes of Central Bank

区域金融风险的影响因素很多,引发的直接成因是个体金融机构经营失败和公众信任危机,不仅造成区域内经济金融混乱,而且极易诱发系统性金融风险。我国商业银行不良资产比例较高,借款企业经营效益欠佳,地方性金融机构管理水平低等是区域金融风险的主要表现。当前需要加强区域中央银行金融监管,构建区域金融风险预警系统,完善金融机构自我补偿制度,建立金融风险应急机制和存款保险体系。

Reional financial risk is affected by many factors.The direct one is the failure of private financial institufions and the crisis of public confidence,which not only cause the chaos in regional economic and finance but easily induce systemtic financial.In our country,the high proportion of bad asset in commercial banks,low efficiency of liable enterprises,poor management level of regional financial institutions are the main signs of regional financial risk.At present,it is urgent to enforce financial supervision and control in regional central banks;cons truct an early warning system for regional financial risks,perfect compensation system;organize an emergency institution and deposit insuronce system.