金融风险分析----非系统金融风险及对策研究-金融学专业论文.docxVIP

AbstractAfter Abstract After the international economy went through the financial crisis in 1998，the financial economist began to analysis the basi c’origin of financial risk again．．The international financial system is at the risk of broken． The new international financial system is rebuilding． The First Part This part begin with analyzing the basic origin of financial risk．The social division of labor，the economic human’s limited reason of rationality，and the economic environment，a11 these reasons affect the financial risk． Then I declare the specialty of Chinese economy。 These reasons cause the special financial risk of China． The financial risk is assorted into two sorts，The system financial risk and the non—system financial risk．The system financial risk is cause by the general reasons，such as national economic policy，the international economic crisis，the war etc． All these factors are not controlled by the commercial banks．The directors of the commercial banks can do nothing with this sort of risk． Now，Chinese economy i s changing from the planned economy system to the market—directed economy systeIIL In the the course of the replacement，the planned economy system sti l I played a role in the social economy，i t impede the construct ion of the market—directed economy system． Yet，the market—directed economy system in china is not very completely， it do not perfectly play the whole role in social economy by itself． In this condition，the financial risk in China is not only the same as the tradit ional financial ri sk in the market—directed economy countries，but also have the special system risk． The Chinese commercial bank’S administration system i S very poor．Firstly the management organization is poor。 Many directors do not think the ri sk management i s one of the most important parts in the management organization． Secondly，in the daily management，directors are lack of estimation for the risk． The Second Part The non-system financial risk is the risk that