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我國網(wǎng)絡(luò)金融風(fēng)險(xiǎn)成因分析及防范對(duì)策
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我國網(wǎng)絡(luò)金融風(fēng)險(xiǎn)成因分析及防范對(duì)策
摘要：以計(jì)算機(jī)網(wǎng)絡(luò)技術(shù)為核心的信息技術(shù)革命，給整個(gè)社會(huì)經(jīng)濟(jì)帶來了前所未有的機(jī)遇和挑戰(zhàn)，而網(wǎng)絡(luò)金融作為21世紀(jì)金融業(yè)的1場革命，在短短的幾年間得到了迅速發(fā)展，日益受人矚目。它引發(fā)了金融機(jī)構(gòu)的經(jīng)營管理模式、中央銀行的貨幣政策操作、金融業(yè)的運(yùn)作機(jī)制等方面的1系列重大變革。但同時(shí)它也帶來了各種各樣的金融風(fēng)險(xiǎn)，并使網(wǎng)絡(luò)金融業(yè)的展受到1定的限制。面對(duì)網(wǎng)絡(luò)經(jīng)濟(jì)大潮的沖擊，中國的金融業(yè)如何抓住機(jī)遇，順應(yīng)國際金融業(yè)的發(fā)展潮流，大力推進(jìn)我國網(wǎng)絡(luò)金融的發(fā)展，成為提高中國金融業(yè)競爭力的重要內(nèi)容。因此，加快金融改革步伐，切實(shí)預(yù)防和逐步化解網(wǎng)絡(luò)金融風(fēng)險(xiǎn)具有重要的現(xiàn)實(shí)意義。本文從我國網(wǎng)絡(luò)金融及其所隱含的金融風(fēng)險(xiǎn)的現(xiàn)狀出發(fā)，全面分析了我國金融風(fēng)險(xiǎn)產(chǎn)生的原因。并在剖析了當(dāng)前防范金融風(fēng)險(xiǎn)的現(xiàn)實(shí)環(huán)境的基礎(chǔ)上，提出了相應(yīng)的防范和化解金融風(fēng)險(xiǎn)的對(duì)策。
關(guān)鍵詞：網(wǎng)絡(luò)金融；風(fēng)險(xiǎn)；成因
the Origin Analysis and Guarding Mechanisms on
Chinese Network Financial Risks
Abstract: Informational technology revolution, which takes the computer network technology as the core, has brought the unprecedented opportunities and the challenges for the whole social economy. But the network finance, as a 21st century finances industry revolution, has obtained rapid development during the short several years, and focused attentions of people day by day. It has initiated series of significant transformations, such as the way of financial organizational management, Central Banks monetary policy operation and finance industry operation mechanism, and so on. Facing the impact of the network economical tide, how does Chinese finance industry catch the opportunity, complies with the current tide of the development of international finance industry, and vigorously advances our country’s network financial development, is important content of enhancing the competitive ability of Chinese finance industry. Therefore, speeding up the financial reformation steps, practically preventing and gradually reducing the financial risks, has important practical significance. This article, bases on the present situations of network finance and financial risks, which are contained in network finance, has comprehensively analyzed the reason of the producing of financial risks, and proposed the corresponding guard and countermeasure of melting the financial risks, While analyzing the realistic environments of guarding finance risks at present.
Keywords: network finance；risk；origin
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