对我国金融风险及其防范问题的几点认识（Some cognitions on Chinas financial risk and its prevention）.doc

对我国金融风险及其防范问题的几点认识（Some cognitions on Chinas financial risk and its prevention） Some cognitions on Chinas financial risk and its prevention Xuliang [Topic name] Finance Insurance [Topic number] F62 [1998 11] issue copy [source] finance and Economics (Nanchang) 1998, issue 09, twenty-second ~ 24 pages [introduction] Graduate School of Shaanxi Institute of Finance and Economics The outbreak of the Southeast Asian financial crisis shows that the potential financial risk is the root cause of the financial crisis in the region. In view of this, it is necessary to analyze and evaluate the financial risk of our country objectively. As we all know, domestic financial risks are highlighted in the banking sector, especially the risk of state-owned banks. So, will it cause a financial crisis? How to guard against and defuse? In view of the fact that many treatises have been made in this respect, I do not want to make a systematic exposition here. I would like to talk about some personal views on the current issues that need to be further explored. I. market risks and institutional risks Market economy is essentially an exchange economy. In the market economy, the relationship between banks and customers should be a kind of independent choice and mutually beneficial financial transaction relationship. From the institutional background, the formation of the trading relationship is attributed to the following conditions: firstly, both sides of the transaction have clear and complete property rights, so as to fully define the interests and risk boundaries of both parties. In financial transactions, the performance of the bank as an independent property rights, the risk of the assets to be used, such as the risk of loans, foreign exchange trading risks bear all responsibility. There are rules of transaction for standard trading behavior. In financial transactions, borrow money to get access to funds according to the provisions of the contract commitment, and lend funds have the fu