Banking Risk Moral Ideological And Political Education

Banking moral hazard inherent property of the financial markets and financialactivities, financial and economic activities must be accompanied by biological. Withthe rapid development of economic globalization and market integration, the countriesof the world in banking, finance and policy interaction and coordination, mutualpenetration and expansion, competing and constraints have been developed to acertain level, the trend of financial globalization is gradually deepened. In December2006, China’s financial sector in accordance with the accession to the WTOcommitment, fully open to foreign investment, banking industry is facing a full rangeof competition with the developed countries and multinational financial institutions,are at an extremely important period of transition. However, due to variousinstitutional reasons and China’s unique national conditions, China’s banking industryhas not fully completed market reforms, still accumulate a lot of potential moralhazard. In the face of complex domestic and international economic environment,financial risk prevention issues should be taken seriously enough. Therefore, in-depthanalysis of China’s financial risk, understanding the causes and nature of theaccumulation of financial risks, improve and banking moral hazard preventionmechanism, to avoid banking moral hazard continue to accumulate after the suddenrelease of huge losses to the national economy, accelerate the the pace of financialreform, and promote the healthy development of China’s banking industry and thenational economy as a whole, the effective prevention and gradually defuse financialrisks to safeguard national economic security, has important theoretical and practicalsignificance. Starting from the banks and the status of moral hazard and the evolutionof trends, the meaning of the Banking moral hazard, the characteristics and theoreticalroots of in-depth analysis, the main focus on the preventive mechanisms of China’sbanking moral hazard build discussions, according to the moral guard systemKybernetika principle, a perfect restraint mechanism, innovation incentives, the development of cultural mechanisms to establish the mechanism of "deterrence"through the establishment of these four mechanisms to prevent the banking moralhazard in the first place, but also to carry out a comprehensive employee ideologicaland political education, from the source eliminate the motive for the crime of bankemployees before they occur.