金融脆弱性研究及我国金融脆弱性的生成原因

金融脆弱性泛指一切融资领域中的风险积聚。当前,我国的金融改革明显提速,金融业所蕴藏的风险正逐步显化,成为巨大的风险源,可能危及整个金融安全与金融发展。单纯以完全市场体系的金融标准来解释我国金融体系的脆弱性是行不通的,只有从我国的实际情况出发,从金融控制、政府信用与信用环境的缺失、国有企业高负债的理性选择以及商业银行的高负债经营等角度才能更好地揭示我国金融脆弱性的主要成因。

Thought over Our Financial Frangibility in Many Ways

In a general sense, financial frangibility is risk accumulation in all financial areas. At present, our financial reformation is becoming accelerated clearly. Financial risk is becoming obvious and is becoming a huge source of risks. It will endanger the whole financial safety and development. It isn't the key of the measure of our financial fragility through the complete market system standard. In view of our practice, the causes of our financial fragility are financial control, unavoidable government interposition and credit lack based of government credit, informational asymmetry and state-own enterprise high debt.