摘要
近年来,防范金融风险一直是我国金融工作的重心。2018年年初,监管部门着重规范金融市场秩序,银行、保险、证券等持牌金融机构都在其列,这也标志着我国金融大监管的开始。今年两会上,政府对我国重大风险防范化解进展表示了肯定,并将其列为长期工作目标。由于我国今年经济和市场的特殊性,我国面临的金融风险也具有明显不同的特点。因此,必须立足国情,从实际出发,对我国金融现状进行新维度的分析,认清我国当前商业银行的风险源,准确把握我国金融发展的特点和规律,建立商业银行系统性风险评估体系,密切监测、准确预判、有效防范我国潜在的系统性金融风险。
In recent years,the prevention of financial risks has been the focus of financial work in China.At the begin-ning of 2018,supervision and regulation authorities focused on regulating the order of financial market and the licensed fi-nancial institutions dealing with bank,insurance and security were on the list,which marks the beginning of financial su-pervision and regulation on a large scale in China.At the two congresses in 2018,the government affirmed the progress of major risk prevention and dissolution in China,and listed it as a long-term work goal.Because of the particularity of Chi-nese economy and market in 2018,the financial risks are also distinctly different.Therefore,it’s necessary to analyze the new dimensions of Chinese financial status quo,recognize the risk source of Chinese commercial bank and accurately grasp the features and laws of Chinese financial development based on national conditions.It’s important to establish the systematic risk assessment system of commercial bank to closely monitor,accurately pre-judge and effectively prevent Chinese potential systematic financial risk.
作者
陆岷峰
徐博欢
LU Min-feng;XU Bo-huan(Jiangsu Institute of Innovation and Development,Nanjing University of Finance and Economics,Nanjing 210046,China;School of Finance,Nanjing University of Finance and Economics,Nanjing 210046,China)
出处
《天津商业大学学报》
2018年第5期3-9,共7页
Journal of Tianjin University of Commerce
基金
江苏省互联网金融协会项目"关于互联网金融全面风险管理研究"(2018SHJ16)
三德健康产业控股集团新金融课题项目(20180628)
关键词
金融监管
风险评估体系
系统性金融风险
financial supervision and regulation
risk assessment system
systematic financial risk
作者简介
陆岷峰(1962—),男,江苏金湖人,南京大学博士后,北京大学访问学者,江苏省有突出贡献的中青年专家,南京财经大学江苏创新发展研究院首席研究员,教授,主要从事宏观经济、商业银行、中小企业研究;徐博欢(1993—),男,江苏常州人,硕士研究生,主要从事商业银行研究。
