金融的极化效应与风险外部性治理研究

发布时间：2018-04-01 18:32

本文选题：金融业　切入点：极化效应　出处：《商业经济研究》2015年04期

【摘要】：现有金融机制和市场条件下,金融业倾向于向具有较多净资产、担保物和较好收益前景的客户提供融资;各类金融机构与金融资源倾向于向核心区域集聚;金融资本倾向于在经济上升周期增加投资。因此,金融资源配置向优势主体集中、区域金融资源配置向特定优势区域集中、金融资源配置在经济上升期集中配置是各类型金融业的理性选择;金融在资源配置主体维度、区域经济发展的空间维度和经济周期运行的时间维度具有推动极化的效应。这种资源配置主体、区域经济发展和经济周期运行的极化或非均衡性特征能够引发经济与社会风险。但是,金融业并不承担或并不完全承担相应的经济与社会风险,具有较为典型的风险外部性特征。所以,对金融业因极化效应所带来的外部性风险进行监管和规制就具有必要性。
[Abstract]:Under the existing financial mechanism and market conditions, the financial industry tends to provide financing to customers with more net assets, collateral and better income prospects, and various financial institutions and financial resources tend to gather in the core regions. Financial capital tends to increase investment in the economic rising cycle. The centralized allocation of financial resources in the period of economic growth is the rational choice of all types of finance. The spatial dimension of regional economic development and the time dimension of economic cycle have the effect of promoting polarization. The polarization or disequilibrium of regional economic development and economic cycle can lead to economic and social risks. However, the financial industry does not or does not bear the corresponding economic and social risks. Therefore, it is necessary to supervise and regulate the external risks caused by polarization effect in the financial industry.
【作者单位】：湖北经济学院金融学院;
【基金】：2013年度教育部人文社会科学研究规划基金项目“金融舆情演化机理与监测管理机制研究”(13YJA630130)
【分类号】：F832.2

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