| 试析民间金融风险与应对策略 |
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| 引用本文： | 曹伟晨.试析民间金融风险与应对策略[J].淮海工学院学报(社会科学版),2012,10(16):35-37. |
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| 作者姓名： | 曹伟晨 |
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| 作者单位： | 南京航空航天大学电子信息工程学院,江苏南京,210016 |
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| 摘 要： | 作为一种自发式的融资方式，民间金融在规范化、公开化过程中，其风险灾害可能对社会的稳定、金融体系的安全以及国家宏观经济的调控产生负面影响；民间金融发展中的主要风险及权重排序依次为内在制度风险、借贷利率风险、借贷“条件风险”和国家“政策风险”，必须按照风险管理的要求，采用风险回避、降低、转移、留存等不同策略来加强风险应对。以促进民间金融的可持续发展。
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| 关 键 词： | 民间金融 金融风险 风险评估 风险应对 |
On Responses to Folk Financial Risks |
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| CAO Wei-chen.On Responses to Folk Financial Risks[J].Journal of Huaihai Institute of Technology,2012,10(16):35-37. |
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| Authors: | CAO Wei-chen |
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| Institution: | CAO Wei-chen(College of Electronic and Information Engineering,Nanjing University of Aeronautics and Astronautics,Nanjing 210016,China) |
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| Abstract: | Folk finance is a spontaneous capital raising mode, whose risks in the process of standardization and opening possibly produce negative influences on the social stability, security of financial system and national macroeeonomie control. The rank of weight of main risks respectively is internal system risk, loan interest rate risk, loan credit risk and national policy risk. Upon the demands of risk management, differ ent countermeasures of risk avoidance, reduction, shifting and retention are taken to promote the sustainable development of folk finance. |
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| Keywords: | folk finance financial risks risk evaluation risk response |
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