河南宏观金融风险研究——基于资产负债表法的视角  

Macro Financial Risks in Henan Province from the Perspective of Balance Sheet Approach

作　　者：郭春林[1] 

机构地区：[1]信阳农林学院财经学院,河南信阳464000

出　　处：《商业经济》2015年第11期130-132,共3页Business & Economy

基　　金：河南省软科学研究计划项目(142400410657)

摘　　要：宏观金融风险是由于信用风险以及部门间的债权债务关系的异常波动导致的资产负债表层面的恶化,进而给整个宏观经济金融系统带来风险。河南金融部门运行良好,有较大的发展空间,但从资产负债表的视角来看,河南金融部门资本结构错配风险并不明显,期限错配风险正在逐步升高,并存在货币错配风险,企业产权比率较高,清偿力严重不足。对此,应建立完善的区域金融风险预警系统,加强信贷监管,完善金融体制建设,在国家政策的支持下,大力发展金融市场。Macro financial risks refer to the risks to the whole financial system brought by balance sheet deterioration caused by credit risks and the unusual fluctuation of the debtor - creditor relationship between sectors. Financial sectors in Henan province work very well and have large growth space. However, from the perspective of balance sheet, the capital structure mismatch risk of the financial sectors is not obvious, the term mismatch risk is escalating and currency mismatch may occur. In addition, the equity ratio of enterprises is high and the liquidity is poor. Responding strategies are proposed, including setting up a sound warning system for regional financial risks, strengthening credit supervision, improving the financial system, and developing financial market with the support of national policy.

关 键 词：河南 宏观金融 风险研究 金融风险 资产负债表 

分 类 号：F230[经济管理—会计学]