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金融经济的风险及其防范措施的研究

时间:2022-06-12 来源:未知 编辑:梦想论文 阅读:
In the past decade, China's economy has developed rapidly in the world economy, reaching an unprecedented level. These are inseparable from the development of China's financial economy, which has greatly promoted the healthy and stable growth of China's economic undertakings. The comprehensive analysis and control of financial and economic risks and the corresponding preventive measures have improved the ability of China's national defense financial and economic risks, so that China's economy can compete with the world powers and occupy a place.
 
1、 Main types of financial and economic risks worldwide
 
(1) Financial interest rate risk
 
Interest rate risk is the most frequent and influential financial risk among financial and economic risks. There are also many factors that affect interest rates. For example, the state of economic development, the degree of political stability, military action, etc. of the country may lead to substantial changes in financial interest rates. An increase in interest rates will make the entire financial economic market appreciate, otherwise it will decline, which will affect the development of China's finance and bring serious economic crisis to financial enterprises.
 
(2) Financial policy risk
 
The financial economy operates under the market economy and is influenced by various factors in the market. Including political factors, the formulation and implementation of all economic policies at home and abroad will have different effects on the financial economic market. If the State formulates correct and reasonable financial and economic policies and makes good adjustment and control over the financial and economic market, it can ensure the stable development of the financial market economy and reduce the financial risks caused by the improper financial policies formulated by the state. Once the financial policy formulated by the state does not match the actual development of the financial economic market, it will lead to financial policy risks, which will lead to financial and economic risks throughout the country.
 
(3) Financial credit risk
 
With the strong support of our government policies, there are many financial institutions and credit institutions in China. These institutions mainly provide loans to social subjects such as units and residents. However, there are still some institutions that do not conform to the provisions of the law in the financial economic market. These institutions take advantage of the loopholes of the law or even ignore the law, ignore the principle of good faith in financial credit, and secretly carry out commercial operations, so as to earn more economic profits. There are also some financial and credit institutions that are desperate to carry out more business, and even develop businesses outside their own business scope, which has seriously affected the quality of financial and credit assets and reduced the confidence of enterprises and individuals in lending. Once the lender is unable to repay in time, it will make the financial market lack of funds, and then trigger a series of economic crises.
 
2、 Specific preventive measures against financial and economic risks in China
 
(1) Strengthen the supervision and supervision of financial and economic risks in China
 
At present, the management and control of various activities in the financial and economic field in China are carried out under the strict supervision of relevant government departments. The government has realized the importance of financial and economic risk supervision, and according to the actual situation of China's financial and economic development, it has nipped all financial risks in the bud. More because the government departments have the real right to strictly deal with those illegal acts in the financial market, so as to ensure the rapid development of China's financial economy in a healthy and sound environment. When the government strengthens financial risk supervision, it should first start with financial credit risk. Because there are many institutions that do not comply with the law in the financial credit market, disrupting the normal financial credit market. Therefore, the government should strictly supervise and manage the credit institutions in the financial market, formulate stricter business standards, and timely supervise the credit institutions. Make the business of all credit institutions authentic and transparent, comprehensively improve the operation quality of credit institutions, and thus enhance people's confidence in credit institutions.
 
(2) Establish a scientific and perfect financial and economic risk assessment system
 
Under the normal operation of the financial economic market, we should establish a scientific and perfect financial and economic risk assessment system. Be able to accurately and timely foresee the risks existing in the financial market, make targeted assessments of various potential risks, and formulate reasonable solutions. However, some risks are unforeseeable and unavoidable, so it is necessary to improve the ability to respond to financial risks, comprehensively improve the ability to predict financial risks, and establish a scientific and perfect financial and economic risk assessment system, so that enterprises can minimize their losses when they encounter financial risks. It is also necessary to record the financial risks that have occurred in the market to prevent similar situations. At the same time, the government and enterprises also need to establish a scientific and perfect reward and punishment mechanism. We will strictly deal with those market violations and financial and economic crimes, and crack down on corruption and bribery. Through the formulation of relevant laws and regulations by the government, we will set up a standardized standard for all financial market practitioners, give them ideological attention and behavioral compliance, and improve the quality of the financial market from all aspects of the economic market, so as to ensure the normal operation of the financial economic market.

(3) Improve the supervision of financial economic market
 
Due to the spontaneity and instability of the financial economic market, it is impossible to truly avoid financial risks, which requires us to strengthen the supervision of the market. Under the condition of ensuring the vitality of the financial and economic market, carry out macro-control over the market. We will reform the financial system, formulate a general line for the development of the financial economy and the market, and establish a scientific and modern financial economy.
 
(4) Cultivate professional financial practitioners and improve their quality
 
The financial industry has a good development prospect in China, but it requires a high level of professional knowledge for employees. This requires enterprises to cultivate the professional knowledge and quality of employees and fundamentally solve the problem of controlling financial risks. At the same time of professional knowledge training for professionals, we should also cultivate their moral quality to ensure that they make great contributions to the financial industry.
 
Summary:
 
Judging from the current situation in China, China's economic development has been inseparable from the stability of the financial and economic market. The government pays more attention to the financial economic market, takes correct, reasonable and scientific measures, strengthens the supervision of financial economic risks, establishes and improves a scientific risk assessment system, trains professional financial risk practitioners, and solves or avoids risks in the financial economy in an all-round way.

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