【作者】 徐峰；

【导师】 张本照；

【作者基本信息】 合肥工业大学 ， 产业经济学， 2007， 硕士

【摘要】 金融风险是金融市场和金融活动的内在属性，是金融经济活动的必然伴生物。随着经济全球化和市场一体化的迅猛发展，世界各国在金融业务、金融政策等方面相互交往和协调、相互渗透和扩张、相互竞争和制约已发展到相当水平，金融全球化的趋势正逐步深化。2006年12月，我国金融业按照加入WTO时的承诺，全面向外资开放，金融业面临着与发达国家及跨国金融机构全方位的竞争，正处在一个极为重要的转型时期。但由于种种制度上的原因及我国特有的国情，我国的金融业还没有彻底完成市场化的改革，仍然积聚着很多潜在的金融风险。面对复杂多变的国内外经济环境，金融风险防范问题应当引起足够的重视。因此，对我国金融风险进行深入细致的分析，认识金融风险积累的原因和性质，完善和建立金融风险防范机制，避免金融风险不断积累后突然释放给国民经济带来巨大损失，加快金融改革步伐，促进我国金融业乃至国民经济的健康发展，切实预防和逐步化解金融风险以维护国家经济安全，具有重要的理论和现实意义。本文从我国金融风险的现状及演进趋势出发，对金融风险的含义、特征及理论根源做了深入分析，主要围绕我国金融风险防范机制的构建展开讨论，根据金融工程系统控制论原理，提出了金融风险防范机制应按照事前预警、事中控制、事后保险三个层次建立，其具体内容包括金融风险的预警机制、控制机制和保险机制，三个层次相辅相成，是一项系统的工程。更多还原

【Abstract】 Financial risks of the financial market and financial activities of the inherent attributes of the financial and economic activities with biological inevitable. Along with economic globalization and market integration of the rapid development of countries in the world financial business, Monetary policy mutual exchanges and coordination and mutual penetration and expansion, competition and constraints has been developed to a certain level, Financial globalization is a trend of gradual deepening. In December 2006, China’s financial industry in accordance with the entry of WTO commitments, fully open to foreign investment. The financial industry is facing with the developed countries and transnational financial institutions all-round competition is in a crucial transition phase. However, due to various reasons and institutional endemic to China’s national conditions, China’s financial industry is not entirely complete market-oriented reforms; still accumulate a lot of potential financial risks. Faced with a complex and changing domestic and international economic environment, prevention of financial risk should be taken seriously enough. Therefore, China’s financial risks in-depth and detailed analysis of the financial risks accumulated knowledge of the causes and nature, and the establishment of sound financial risk prevention mechanisms, avoid financial risks accumulated suddenly released to cause huge losses for the national economy and accelerate the pace of financial reform. China’s financial industry and the healthy development of the national economy, effective preventing and gradually reducing financial risks so as to safeguard national economic security is of great theoretical and practical significance. From our financial status and the risk of the trend of the evolution of the meaning of financial risks, Features and theoretical sources do an in-depth analysis on China’s major financial risk prevention mechanisms Construction of the discussions, According to financial engineering system control theory, the financial risk prevention mechanism should be in accordance with prior warning and in the middle of control. After the establishment of three levels of insurance, including specific financial risks as an early warning mechanism to control mechanism and the insurance mechanism 3 together, it is a systematic project.更多还原