金融风险网格化管理:理论基础、框架建设及实践运用  

Grid Management of Financial Risks:Theoretical Basis,Framework Construction and Practical Use

作　　者：中国人民银行济南分行课题组 董龙训[1] 刘洪来[1] 徐迎军[1] 于明星[1] 孙毅[1] 顾忠锐 Research Group of PBC Jinan Branch(PBC Jinan Branch,Jinan 250021,Shandong,China)

机构地区：[1]中国人民银行济南分行,山东济南250021 [2]中国人民银行陵城支行

出　　处：《金融发展研究》2020年第2期47-54,共8页Journal Of Financial Development Research

摘　　要：防范和化解风险对于维护金融稳定意义重大。本文借助网格化管理的思路,在微观层面上探索抓早抓小、实现监测全覆盖的有效路径,建立了金融风险网格化管理框架,将各部门金融监管权“行使”中的协同和信息技术、网格力量等“手段”的合力融入其中。本文论述了该框架的理论基础,借助系统分析法,阐释了将“网格化”思路引入金融风险监测的必要性,从理论条件、客观条件和主观条件三个方面分析了当前开展金融风险网格化管理的可行性,在此基础上,详细介绍了山东省金融风险网格化管理框架建设情况和其辖内两种网格化管理试点模式,进而指出金融风险网格化管理是一种可操作性强的风险监测方式,且具有推广借鉴意义。最后,对下一步构建“平台+网格”矩阵式管理体系提出建设性意见。Preventing and defusing risks are of great significance for maintaining financial stability.With the thought of gridding management framework,this paper establishes a gridding management framework for financial risks to explore the act of"identify problems early and correct them while they are nascent",thus realizing an effective path of full-covered surveillance at the macro level.It also incorporates the synergy of the"exercise"of financial supervision various departments and the"measures"such as information technology and the power of gridding into the framework.Moreover,this paper discusses the theoretical basis of the framework and uses the system analysis method to explain the necessity of introducing the"gridding"thinking into financial risk monitoring.It analyzes the feasibility of carrying out the current financial risk gridding management from three aspects:theoretical conditions,objective conditions,and subjective conditions.On this basis,the construction of gridding management framework of financial risks in Shandong Province and its two pilot modes of gridding management are introduced in detail.And then,it indicates that financial gridding management is an operable method of risk monitoring and it is valuable for popularization and reference.Finally,this paper puts forward constructive opinions on the next step of building a"platform plus grid"matrix management system.

关 键 词：金融风险 网格化管理 矩阵式管理 框架建设 风险监测 

分 类 号：F832[经济管理—金融学]