| The 8 magnitude earthquake took place in Sichuan on May 12 which has brought huge losses around 1000 billion on factories, road and other infrastructure which takes up almost 4.16% of our GDP of previous year. As per rough estimation, if the losses caused by the huge earthquake are unable to be covered by insurance or after insurance compensation and recover losses through guarantee, if the liability can't be reimbursed which is confirmed to be bad debt and cancelled after verification, the huge losses for financial organ may reach more than 20 billion yuan. The potential risk assets may be higher than this. Finance relies much on economy. The huge disaster damages not only local and national economy but also the assets and profit of financial organ. Therefore, it's necessary for national financial organ to set up service system during disaster and to explore post-disaster reconstruction of financial support mode in order to meet requirement in safety, flexibility, profitability and social responsibility.1. Summary of huge disaster riskFor easy explanation, the data from Mianyang city during 5.12 Earthquake was used to analyze and compare the character of huge disaster risk and situation of losses.ⅰ. What is huge disaster risk? To introduce simply the description and classificationⅱ. Analysis on huge disaster effect.To analyze the disaster effect on economy (investment, consumption and export) and finance.ⅲ. The problem faced.To introduce the effect on assets quality and profit of financial organ and shortness of service ability and method2. National financial organ's construction against huge disaster service system.i.Advantage and disadvantage brought by national financial organ's separate operating modeA..Service methodB.Data managementC.Credit policyD.Derivative productE.Customer serviceii. Advantage and disadvantage brought by national financial single corporation modeA..ResourcesB.EfficiencyC.FinanceD.RiskE.Brand3.To explore National financial organ reconstruction mode... |
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