银行业道德风险防范的思想政治教育

发布时间：2018-07-27 09:49

【摘要】：银行业道德风险是金融市场和金融活动的内在属性，金融和经济活动的必须产物。随着经济全球化和市场一体化的迅速发展，在银行业中，金融和政策的互动和协调，相互渗透和扩张，竞争和约束，世界各国已发展到一定水平，金融全球化的趋势正在逐步深化。2006年12月，中国的按照加入世贸组织的承诺，对外资全面开放，银行业正面临着全方位的同发达国家和跨国金融机构的竞争，在过渡期极为重要的时期。然而，由于各种体制的原因与中国独特的国情，中国的银行业还没有完全完成的市场化改革，还积累了很多潜在的道德风险。在面对复杂的国内和国际经济环境，金融风险防范问题应引起足够的重视。因此，深入分析中国的金融风险，理解的原因和积累的金融风险的性质，改善和银行的道德危险的预防机制，以避免银行的道德危险继续到的巨额亏损的突然释放后积累到国民经济，加快金融改革步伐，促进中国银行业的健康发展和国民经济作为一个整体，有效预防和逐步化解金融风险，维护国家经济安全，，具有重要的理论意义和现实意义。从在银行和道德危害和趋势的演变，的银行道德危险的含义的状态开始的特点和深入分析的理论根源，中国的银行道德危险的防范机制，重点建设的讨论，根据道德防范系统控制论原则，完善约束机制，创新激励机制，发展文化机制建立的“威慑”的机制，通过建立这四个机制来防范银行业道德风险于未然，同时更要全面开展员工思想政治教育，从源头上杜绝银行从业人员的犯罪动机，防患于未然。
[Abstract]:The moral hazard of banking is the intrinsic attribute of financial market and financial activities, and the necessary product of financial and economic activities. With the rapid development of economic globalization and market integration, in the banking industry, the interaction and coordination of finance and policy, mutual penetration and expansion, competition and restraint have developed to a certain level. The trend of financial globalization is gradually deepening. In December 2006, as promised by China's accession to the World Trade Organization, China fully opened up to foreign investment, and the banking industry is facing all-round competition with developed countries and transnational financial institutions. In a very important period of transition. However, due to various institutional reasons and China's unique national conditions, China's banking industry has not completely completed the market-oriented reform, but also accumulated a lot of potential moral hazard. In the face of complex domestic and international economic environment, financial risk prevention should be paid enough attention. Therefore, an in-depth analysis of China's financial risks, understanding of the causes and nature of the accumulated financial risks, and improvement of the prevention mechanism for the moral hazard of banks, In order to avoid the sudden release of the huge losses that continue to be caused by the moral hazard of the banks, to accumulate into the national economy, to speed up the pace of financial reform, and to promote the healthy development of the Chinese banking industry and the national economy as a whole, It is of great theoretical and practical significance to effectively prevent and gradually defuse financial risks and safeguard national economic security. From the evolution of the bank and the moral hazard and trend, the characteristics of the state of the meaning of the bank moral hazard and the theoretical root of in-depth analysis, the prevention mechanism of the bank moral hazard in China, and the discussion of the key construction, According to the cybernetics principle of moral prevention system, to perfect the restraint mechanism, to innovate the incentive mechanism, to develop the "deterrent" mechanism established by the cultural mechanism, and to guard against the moral hazard in the banking industry through the establishment of these four mechanisms. At the same time, we should carry out the ideological and political education of employees, put an end to the criminal motives of bank employees from the source, and prevent trouble in the future.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.3;D64

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