The Research On Prevention Of The Financial Moral Risk

The financial industry is the contemporary social and economic operation of the core power, the healthy development of the financial industry in China's economic and social progress is the objective request, guard against financial moral risk is the healthy development of the financial industry premise and foundation. The financial sector as the blood of economic and social development, in the contemporary society plays an irreplaceable role. Financial moral risk with the development of the financial industry also appear in the spread of the trend, for the healthy development of the financial industry violation increasingly prominent. Guard against financial moral risk has become an important issue in the contemporary economic society. This article from the management science, economics and sociology, pedagogy, ethics from the perspective of moral risk financial prevention mechanism.First of all, introduced the paper to choose a background and expatiates the theoretical significance and practical significance, the current situation of domestic and foreign research and summarizes, and the paper's main innovation points and shortcomings are also clarified.Second, the financial risk of moral connotation, main characteristic and the structure of the moral risk financial. Through the tracing of moral hazard and the financial analysis of the moral risk, and points out that the financial moral risk is actually to own utility to go against his very concealment of the choice. On this basis, points out the main characteristics of the moral risk financial contains complexity, concealment, sudden and universality, across five aspects. And then from the financial regulators, financial managers, financial activity participants three this paper analyzes the existence of moral hazard.The third, from the profession characteristic, the institutional factors and environmental factors three aspects of financial analysis on the cause of formation of the moral risk. From the point of view of the profession characteristic, financial capital chasing the instinct of the profit, the financial market activity subject of diversity, the financial system of the vulnerability of the inner is trigger financial moral risk of important reason; From the point of view of institutional factors, the current financial industry define the relation of property right is not clear, related laws and regulations lag in real need, the national credit guarantee the common increases the risk for such moral risk of possibility; From the point of view of environmental factors, the international environment of international capital flow acceleration, mutual benefit and policy conflicts, multinational companies and international investment agency, the moral degradation, domestic environment system arrangement, management factors that are lagging financial moral risk the likelihood of increase greatly.Fourth, the financial risk prevention mechanism of moral system research. This part of the main content from five aspects. First of all, in combination with the reality of the situation and guard against financial moral hazard specific requirements, and points out that the prevention of the financial moral risk should stick to the rules and regulations of humanism, prevention measures of the overall design, risk consciousness the long-term nature of the three basic principles. Secondly, in the financial industry regulatory summed up the basic principles of the foundation, on the internal supervision, and external supervision and regulation of the regulators again made specific analysis and explanation. Next, expounds the mechanism of preventing financial moral risk design, including the improvement of financial institutions in the governance structure, perfect the financial institutions of incentive mechanism, and the sound of the moral risk early warning mechanism, perfecting the moral risk punishment mechanism and perfect the financial management of the power restriction mechanism, the construction of social credit evaluation system, perfecting the information disclosure system, improve manager market, promote the reputation mechanism construction nine aspects. And then, from the financial professional moral significance and financial professional ethics and the construction of the basic content of the financial professional moral evaluation system on three aspects of financial professional ethics construction method and the way. Finally, points out that the financial industry moral self-consciousness construction is the moral risk prevention of the most fundamental solutions, the connotation of the construction of moral self-consciousness, meaning, function and the importance of were explained, and from the city of environment and main body training two perspective, discussed the cultivation of moral self-consciousness financial problems.Overall, the supervision mechanism and prevention system from negative side prevention financial moral hazard occur, and strengthen financial professionals from moral self-consciousness construction positive aspects of utmost reduces the possibility of financial moral hazard. The financial industry professional ethics construction, especially the financial markets moral self-consciousness of the main body of the training is preventing financial moral risk of important component.