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。
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.
出处
《淮海工学院学报（人文社会科学版）》
2012年第16期35-37,共3页
Journal of Huaihai Institute of Technology(Humanities & Social Sciences Edition)
关键词
民间金融
金融风险
风险评估
风险应对
folk finance
financial risks
risk evaluation
risk response
