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论文编号：	891
作者编号：	2120062143
上传时间：	2008/12/13 17:07:52
中文题目：	基于系统性金融风险管理理论的中
英文题目：	The research of China Financia
指导老师：	于斌
中文关键字：	系统性金融风险;中国金融安全网;
英文关键字：	Systematic financial risks;Chi
中文摘要：	金融作为现代国民经济的核心部门，是社会、经济各种矛盾的交汇点，并且随着我国金融领域的全面对外开放及国际国内经济环境的变动，特别是美国次贷危机对全球经济实体的冲击，加之金融体系自身的脆弱性，加强系统性金融风险管理，构建中国金融安全网，防范金融危机，具有极其强烈的现实和长远意义。本文以防范和化解中国系统性金融风险为落脚点，重点研究了当前中国金融业内生及外生的风险源，以及当前中国金融业风险现状，从加强系统性金融风险管理层面提出构建中国金融安全网的具体措施，对存款保险制度进行了框架设计，并探讨了如何加强金融安全网的管理，提高其运行效率。 本文对当前国际国内经济发展的不确定因素增多，及由此带来的复杂的经济金融环境；金融市场内生的系统性金融风险；以及由于中国经济转轨过程中的体制性原因而形成的金融机构特有风险进行了分析与评价，对中国金融业风险状况进行了初步评估。在此基础上，借鉴国外金融安全网发展趋势，提出构建中国金融安全网的设想。认为应加强审慎监管，完善中央银行最后贷款人制度，采取建设性模糊方式决定再贷款发放条件。鉴于金融安全网三要素之一的存款保险制度的缺失，应尽快推出存款保险制度，在框架设计方面，组织机构的设置宜采用渐进方式，初期设在人民银行；采用“风险最小化”模式；成员强制加入；限额赔付；因为中国农村有其特殊性,应设立两个基金;同时要设置过渡期，保证存款保险制度的有效实施。 本文对加强金融安全网管理，提高金融安全网运行效率进行了初步研究。认为应从三个方面着手，加强金融安全网管理。首先，设计了银行业风险预警指标体系，划定警戒线，及时发现风险苗头。在此基础上，针对中国当前实际，分别从监管机构、中央银行、以及存款保险机构这三个不同的金融安全网成员职能出发，赋予其具体风险处置职能。本文同时认为金融安全网的有效运行还必须依靠成员间充分顺畅的信息传导机制，建议建立人民银行、监管机构、存款保险机构，以及政府有关部门间的多层次的协调机制，以适应金融混业的发展趋势。
英文摘要：	Enhancing systematic financial risks management, improving FSNs and preventing financial crisis are playing significant roles in the national economy in line with the recognition that finance are the core of the economy, the influence suffered from the sub-prime crisis happened in the U.S.A and in nowadays China financial departments tents to be vulnerable to crisis. The essay gives a analysis which emphasis on the risks environment, development situation and risks profile the China financial industry has faced in practice, gives the system arrangements for improving financial safety nets(FSNs) especially in Deposit Insurance System(DIS) in the layer of systematic financial risks management with the purpose of preventing and mitigating the systematic financial risks in China. Simultaneously, this essay gives a discuss on how to enhance the management of FSNs in order to improve the efficiency. The essay makes efforts in analyzing and evaluating the complicated economic and financial environment in the resources of the adding uninsured factors related to the development of economy and finance in whole of the world, the systematic risks born from financial market, and financial risks with Chinese characteristics which contributed to the China transferred economy and gives the assessment on banking department. On the bases of introducing the FSNs development trend in other countries, the paper gives the suggestions on establishing China FSNs, which includes great efforts should be made in prudential supervision, the lender of last resort should emphasis on “constructive ambiguity” and establishing DIS. DIS should be as one of the PBC′s departments in the beginning, risk-minimizing, limited payout, 2 funds available in light of the rural situation in designing related policy. Last, the essay gives a initial analysis on how to enhance the management of FSNs in order to improve the efficiency. The following aspects should be paid attention to. First, great efforts should be made in designing the warning indicators system about banking department. Second, the supervise department, central bank, and deposit insurance institution must put their risk disposal function into reality. Third, the paper advises that the coordination institution should be set up between the members of FSNs because the effective running of FSNs must depend on the good information conduct institution.
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