目 录
目录·····························································1
摘要·····························································2
一、我国金融风险及其表现·········································3
二、我国金融风险的成因分析·······································3
（一）从金融系统内部来看········································3
（二）从金融系统外部来看········································5
三、金融风险的防范对策措施·······································6
（一）充分认识金融风险危机的严重性······························6
（二）健全信用制度建设··········································6
（三）加大对非银行金融机构的监管································6
（四）健全金融立法，强化金融执法与监管力度······················7
（五）降低不良贷款率，补充银行资本金····························7
（六）加强银行内控制度建设······································7
（七）强化政府监管和支持力度····································7
四、结论·························································8
参考文献·························································9
内 容 摘 要
我国金融风险的成因及其防范对策
摘要：随着经济的发展，金融已经成为国民经济、对外国际关系的核心内容。并成为影响一国经济发展、社会稳定、人民生活水平提高的制约因素。因而，金融体系健全性及金融运行机制的有效性就显得至关重要。但是由于我国金融体系的不健全完善，在某些方面存在的诸多问题，决定着其中的不确定性与投机因素比其他任何一种资源配置机制都来得大，即金融风险是伴随金融制度建立与发展而客观存在的。能否正确认识并予以有效地防范与化解，是确保金融安全的关键，关系到金融制度及金融市场的发展，关系到社会稳定等等。实际上，由于金融几乎是贯穿于整个社会经济生活的所有方面，所以，以风险控制为基调的金融安全，已成为当今一国经济安全与国家安全的重要标志。本文试着从分析金融风险存在的原因出发，并寻求防范和化解金融风险的对策措施。
关键词：金融风险成因防范对策
