金融风险财政化论文：金融风险财政化 成本收益分析法 金融风险 财政风险 不良资产

1、金融风险财政化论文：金融风险财政化 成本收益分析法 金融风险 财政风险 不良资产【中文摘要】金融风险财政化就是政府采用一些政策手段来规避和化解金融风险,把金融行业的风险转嫁到政府身上,这种现象在国内外都经常出现,是市场经济体制不健全的必然结果。在我国,金融风险财政化有其历史渊源,也有其客观必然性。历史上,银行承担了很多不应该承担的社会责任,这给现在的金融风险财政化埋下了伏笔,再加上目前金融问题的公共性,国有独资或控股金融机构在整个金融体系中的主导地位,所以政府财政就担负起了化解金融风险的职责,导致金融风险财政化。上世纪80年来以来,各国都开始关注国内金融安全和财政安全的问题,因为国际政治和经济

2、形势急剧变化,银行风险和区域性金融危机开始在各国频繁出现,一个国家财政实力的强弱也直接决定着该国政府应对金融危机的能力。我国目前仍处于计划经济向市场经济的体制转轨过程中,各项规范制度还不能很好的适应市场经济规律的要求,政府的各种行为还不过规范,与市场的职责权限边界不清晰,使得金融风险与财政风险的联系过于紧密,相互转化。所以,要促进我国财政、金融,乃至整个国民经济快速稳定的发展,必须深入探讨金融风险转化为财政风险的原因,文章分析了金融风险转化为财政风险的成本和收益,最后,探讨了金融风险转化为财政风险的合理边界。本文共分为四个部分,第1章绪论,阐述本文的和意义,国内外的相关理论,以及论文的基本结构

3、和研究方法。第2章我国金融风险财政化的成因及途径,阐述了我国金融风险目前的现状,金融风险财政化的历史原因,现阶段我国金融业存在的问题以及现代社会经济稳定发展对政府职能的客观要求,以及我国金融风险财政化的途径。第3章我国金融风险财政化的的成本效益分析,运用成本-收益分析法对转轨时期金融风险财政化进行分析,建立金融风险转化为财政风险的的成本-收益模型,分析转化的合理边界。第4章金融风险财政化的合理建议,根据上述分析,提出目前我国金融风险财政的合理建议。【英文摘要】Fiscalization of financial risk is government adopts some policy mea

4、sures to circumvent and defuse financial risks, the risk of the financial industry on coherence to the government, this kind of phenomenon at home and abroad have often appear, is imperfect market economic system, the inevitable result. In China, the fiscalization of financial risk has its historica

5、l origin, also has its objective necessity. Historically, bank for a lot of should not assume social responsibilities, this gives the present f fiscalization of financial risk buried the foreshadowing, in addition, due to current financial problems, plus the commonality of wholly state-owned or hold

6、ing financial institution in the financial system in a dominant position, so defuse financial risks duty is natural fell on government financial body, causing fiscalization of financial risk.Since the 1980s, in international political and economic situation, some drastic changes state bank risk freq

7、uent, regional financial crisis continuously make financial security and national financial security problems by global countries universal attention, the strength of the state financial strength also directly determine the government the ability of coping with a financial crisis. Our country is sti

8、ll in the planned economy to the market economy system transition process, adapt to the market economy requirement specification system still rule in construction, the responsibility and authority of the government and the market, the government behavior is fuzzy boundaries, this special lacks crite

9、rion reality determines the financial risk and the financial risks are closely related, inseparable. In this case, this paper explores financial risks into the causes of the financial risk, financial risk analysis of cost and income fiscalization of financial risk cost and income, and discusses the

10、financial risk into financial risk in promoting rational boundary finance, banking, and even the entire national economy national economy benign circulation has the vital significance.This paper is divided into five parts, the first chapter introductory remarks, this paper expounds the background an

11、d significance, domestic and international related theory, and the basic structure and paper research methods. The second chapter our financial risk and the status of the cause analysis fiscalization of financial risk financial risk, expounds the present situation of Chinese financial risk, and fisc

12、alization of financial risk historical reasons, the financial industry at present, and the existing problems and the development of modern social economic stability of the objective requirement of the government function. The third chapter of our fiscalization of financial risk approach, this paper

13、expounds the current financial risk into the main ways of financial risk. The fourth chapter of the financial risks in the theoretical analysis of fiscalization of financial risk cost-benefit analysis using the transitional period fiscalization of financial risk analysis, establish a fiscalization o

14、f financial risk cost-benefit model, the transformation of reasonable boundaries, analysis The fifth chapter fiscalization of financial risk reasonable suggestions, according to the above analysis, the present our financial risk fiscal reasonable Suggestions.【关键词】金融风险财政化 成本收益分析法 金融风险 财政风险 不良资产【采买全文】

15、 1.3.9.9.38.8.4.8 1.3.8.1.13.7.2.1同时提供论文写作定制和论文发表服务.保过包发.【说明】本文仅为中国学术文献总库合作提供，无涉版权。作者如有异议请与总库或学校联系。【英文关键词】Fiscalization of financial risk costs-benefit analysis the Fiscal risk the Finance risk analysis of bad asset【目录】我国金融风险财政化问题研究摘要8-9ABSTRACT9-10第1章 绪论11-151.1 问题的提出11-121.1.1 金融危机频繁爆发,使各国都开始关注财政安

16、全问题111.1.2 中国转轨时期的财政风险和金融风险问题密切相关11-121.2 国内外研究现状12-131.3 论文结构131.4 论文研究方法13-141.5 论文的创新点14-15第2章 我国金融风险财政化的成因及途径15-232.1 我国金融风险财政化的成因分析16-172.1.1 我国的金融风险财政化有其历史方面的原因162.1.2 我国的金融业目前还存在一系列的问题16-172.1.3 金融风险财政化也是现代社会经济稳定发展对政府职能的客观要求172.2 我国金融风险财政化的方式17-232.2.1 财政直接支持,帮助金融机构度过难关或扶持新型金融机构的发展182.2.2 成立资

17、产管理公司,处置国有商业银行的不良资产18-192.2.3 追加注资,以增厚金融机构的”家底”,增强其抵御风险的能力192.2.4 通过直接或间接的减征营业税来化解金融风险19-202.2.5 债权转股权202.2.6 中央银行对金融机构的资金支持20-23第3章 金融风险财政化的成本收益分析23-363.1 成本收益分析法的含义233.2 金融风险财政化的成本分析23-263.2.1 金融风险财政化的直接资金成本23-243.2.2 银行网点的撤销费用243.2.3 外汇注资增加了通货膨胀压力24-253.2.4 道德风险成本25-263.2.5 财政成本263.3 金融风险财政化的收益分析26-313.3.1 使国有商业银行的市场竞争力得到提高26-313.3.2 使政治和社会的稳定性得到巩固313.4 金融风险财政化的绩效分析31-363.4.1 成本模型31-323.4.2 收益模型32-333.4.3 金融风险财政化的合理边界33-343.4.4 金融风险向财政风险转化的原则34-36第4章 防范金融风险财政化的建议36