防范和化解系统性金融风险面临新课题  

New Issues in Preventing and Resolving Systemic Financial Risks

作　　者：黄志凌[1] HUANG Zhiling(China Construction Bank)

机构地区：[1]中国建设银行

出　　处：《金融市场研究》2024年第1期12-17,共6页Financial Market Research

摘　　要：2008年国际金融危机之后,我国加大了金融不良资产处置,守住了不发生系统性金融风险的底线。然而,虽然指标上金融资产不良率保持在较低的水平,但金融风险的压力似乎不断加大。研究发现,高风险金融机构的数量(尤其是具有系统重要性高风险金融机构)与全市场金融危机之间存在正相关的关系。在实践中,防范化解有问题金融机构比防范化解不良资产更难、更复杂,考验的不仅是直接经营者,更重要的金融市场监管者。为此,本文就有效发挥金融稳定保障基金作用方面提出几点建议。After the international financial crisis in 2008,China has increased the disposal of non-performing financial assets and held the bottom line of no systematic financial risks.However,although the indicator financial non-performing assets ratio has been kept at a low level,the pressure of financial risk seems to be increasing.Studies have found a positive correlation between the number of high-risk financial institutions(especially systematically important high-risk financial institutions)and market-wide financial crises.In practice,preventing and resolving problematic financial institutions is more difficult and complex than preventing and resolving non-performing assets,and tests not only direct operators,but more importantly,financial market regulators.For this reason,this paper puts forward several suggestions in terms of effectively playing the role of the financial stability guarantee fund.

关 键 词：有问题金融机构 系统性风险 存款保险 

分 类 号：F832[经济管理—金融学]