我国金融业现状及其风险分析

发布时间：2018-05-21 18:34

本文选题：金融市场 + 国际金融　；参考：《山西财经大学》2012年硕士论文

【摘要】：进入二十一世纪以来，随着全球金融市场的一体化的趋势日渐明显，，中国经济与全球经济的相关性也在逐步加深。在享受经济全球化带来的效率与便捷的同时，一些问题也应运而生。目前，金融业正逐渐成为中国国民经济的核心，在面临国内体制性、经营性金融风险的同时也面临着国际金融危机带来的影响。刚刚过去的2011年全球经济表现显著低于市场预期，预计2012年全球经济将继续受累于欧债危机。2011年我国经济实现了较快增长，通胀基本得到控制，经济结构调整进程有所加快。但考虑到国际经济金融环境与国内调控政策的影响，2012年我国经济增速将适度放缓，通货膨胀有望得到有效控制，但欧债危机演化、美国经济走势和国内房地产调控等将会对中国金融业的发展带来挑战。因此积极化解风险，完善监管制度，加强金融管理将成为中国金融业面临的最大课题。本文从宏观和微观两个层面对我国金融行业的现状进行了梳理和分析。而微观金融风险是指参与经济活动的主体，因客观环境变化、决策失误或其他原因使其资产、信誉遭受损失的可能性。微观金融风险是指参与经济活动的主体，因客观环境变化、决策失误或其他原因使其资产、信誉遭受损失的可能性。按照金融机构的类别划分，包括银行、证券、保险、信托等，本文着重从微观层面通过大量相关行业数据找出制约我国金融业发展的一些风险问题，并提出强化监督建立金融风险预警系统相应的发展方案及对策，力求有所突破和创新。
[Abstract]:Since the 21 century, with the trend of the integration of the global financial market, the relationship between Chinese economy and global economy has gradually deepened. While enjoying the efficiency and convenience brought by economic globalization, some problems have emerged. At present, the financial industry is gradually becoming the core of China's national economy, facing the domestic system, operating financial risks, but also facing the impact of the international financial crisis. The global economy has just underperformed market expectations in 2011, and is expected to continue to suffer from the European debt crisis in 2012. China's economy grew faster in 2011, inflation was largely contained and the economic restructuring process accelerated. However, considering the impact of the international economic and financial environment and domestic regulatory policies, China's economic growth will moderate in 2012, inflation is expected to be effectively controlled, but the European debt crisis has evolved. American economic trend and domestic real estate regulation will bring challenges to the development of China's financial industry. Therefore, it will be the biggest subject for Chinese financial industry to actively resolve risks, perfect supervision system and strengthen financial management. This paper combs and analyzes the present situation of China's financial industry from the macro and micro levels. The micro-financial risk refers to the possibility of losing the assets and reputation of the subject involved in economic activities because of the change of objective environment, the error of decision making or other reasons. Micro-financial risk refers to the possibility of loss of assets and reputation due to the change of objective environment, error of decision making or other reasons. According to the classification of financial institutions, including banking, securities, insurance, trust and so on, this paper focuses on finding out some risk problems restricting the development of China's financial industry from the micro level through a large number of relevant industry data. It also puts forward the corresponding development plan and countermeasures to strengthen supervision and establish financial risk early warning system in order to achieve some breakthrough and innovation.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.3

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