留学生paper范文：Financial risk management

下面整理一篇优秀的paper范文给大家- Financial risk management，供大家参考学习，这篇论文讨论了金融风险管理。由于互联网金融的数字化、多元化以及普惠性的特点，所以互联网金融风险会不断地增加。当前随着互联网技术的发展，金融业发展不断呈现出多元化发展趋势，面对金融行业发展中出现的新情况，必须根据现实情况创新金融风险管理路径。

At present, although China's risk prevention mechanism has been preliminarily established, there are some problems in China's financial operation and financial risk management in the face of new situations in the process of economic development, which are mainly reflected in the following five aspects:

Due to the characteristics of digitization, diversification and universality of Internet finance, the risk of Internet finance keeps increasing. Mainly reflected in: because the Internet finance in the development process has not been established sound? O management mechanism leads to the disordered enterprise qualification in the entire Internet finance industry, which greatly increases the severity of the security problem of Internet finance. As the Internet finance has not established a sound regulatory mechanism in the development process, the entry threshold of the Internet finance industry has no specific definition and requirements, and the financial supervision institutions cannot comprehensively supervise some illegal Internet finance enterprises, which greatly increases the risk of Internet finance. Because of the universality of customers faced by Internet financial enterprises, the risk resistance of 80% of customers involved is relatively poor. If the Internet financial supervision is not strengthened, financial risks will be accompanied by a series of social risks, which is not conducive to social stability.

At present, most of the financial risk prevention mechanism in China is aimed at the easy problems in the traditional financial market. But, with the development of information technology, our country industrial structure adjustment and the transformation of the real economy, financial market of our country at the same time, its market structure also changed frequently, financial institutions, business growing, in this case, the single mode of regulation to prevent financial risk cannot better supervise financial risk early warning, lack the necessary financial risk management mechanism.

The key to effectively prevent the occurrence of financial risks lies in the establishment of a systematic and perfect financial market supervision system, and the effectiveness of the work of financial supervision departments is the inevitable requirement of financial risk prevention. However, at present, China's financial regulation and related policies and regulations have a certain blind area of supervision for the current financial market, which leads to the emergence of non-standard financial transactions and illegal financing in the financial market, thus disrupting the normal operation of the financial market.

With the development of Internet technology, China's financial industry is developing in a diversified trend. Facing the new situation in the development of the financial industry, we must innovate the path of financial risk management according to the reality.

At present, financial risks in China are mainly featured by concentration, concealment, sociality and preventable. According to the characteristics of financial risks in China, we can see that the necessity of constructing financial risk prevention mechanism in China is mainly embodied in the following three aspects:

With the rapid development of China's economy and the continuous improvement and perfection of China's market system, China's economic subjects show a diversified development trend, and the financial market is faced with complex financial subjects, and its potential financial risks are also increasing. Mainly displays in with the adjustment of industrial structure in our country, has a direct effect on the Chinese financial market, at present, our country the volatile financial markets, financial service object oriented economy lead to potential financial risks, requirements in the face of a series of problems along with the economic structure adjustment, set up the financial risk management mechanism to adapt to the new normal is the inevitable requirement of current our country new economic system set up.

On the one hand, with the gradual maturity of the financial market and the gradual improvement of the credit system, the bank has been dealing with more and more loans, which has increased the potential risk of the bank's non-performing loan business. On the other hand, the imperfection of financial supervision leads to the absence of risk supervision on shadow banking in the market. Its potential risk has become a major hidden danger in China's financial system. Once large-scale risk occurs, it will have a huge impact on the stability of China's financial market.

As local governments need to develop their economies, they often need to build a lot of infrastructure and related municipal construction, which requires increasing loans. Due to the improvement of financing platforms, the adjustment of local industrial structure and the development of real estate industry, local government finance relies too much on financing and land finance, which leads to the problem of financing and inevitably leads to the occurrence of local financial and financial risks.

Taking the development of financial market under the new normal of economy as the background and the existing problems of financial risk management, it is believed that the following three aspects should be done to strengthen financial risk management and improve the risk prevention mechanism:

We will improve oversight of financial markets and standardize their functions. First of all, it is necessary to set up daily management institutions for risk prevention in the financial market, so as to effectively supervise trading behaviors in the financial market. Second, financial risk prevention and management institutions need to be improved, not only to monitor financial transactions in the financial entity market, but also to monitor various situations of Internet finance. Finally, a systematic and complete financial risk supervision system requires the financial market departments to cooperate closely, strengthen exchanges, and carry out various work with the goal of regulating financial market behaviors and preventing financial risks.

The establishment of a systematic and scientific management system including financial risk prevention management system, implementation guidelines and evaluation standards is an effective institutional guarantee for financial market risk prevention. First, financial risk prevention and management system should be established to ensure that risk prevention and management is based on evidence. Secondly, the implementation details of financial risk prevention should be specified to ensure that the implementation of all work is carried out towards the implementation objectives. Finally, a performance appraisal system is established to evaluate the implementation results and motivate employees in financial supervision departments.

The establishment of a systematic and scientific financial risk prevention mechanism is the fundamental guarantee for effectively avoiding the occurrence of financial risks. , therefore, should set up the daily management of financial market risk prevention, risk management of the implementation of financial regulators to supervise, timely feedback on problems arising from the execution process, the financial risk has occurred and potential regulators report to financial risk, financial risk financial risk prevention mechanism for timely treatment, prevent larger or systemic financial risk.

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