Research On The Prevention Of Systemic Financial Risks In Banking Industry In Henan Province

The outbreak of the global financial crisis in 2008 showed that,in the case of systemic financial risk prevention,there have been certain loopholes in the previous micro-prudential supervision.The stability of individual financial institutions does not mean the stability of the entire financial system,and the macro-prudential supervision and proposition'central goal is systemic financial risk prevention,the prevention of systemic risks has received more and more attention in recent years,and gradually formed a model in which China's current mainstream micro-prudential supervision and macro-prudential supervision are combined.Micro-prudential supervision is concerned with the stability of individual financial institutions under the micro-finance environment,while macro-prudential supervision emphasizes the stability of the entire macro-financial system.There is little research on regional systemic financial risks,but regional systemic financial risks need to be monitored.In terms of institutional prevention and supervision,in reality,China's financial integration has not yet been realized.Due to regional differences,the country's economic and financial conditions are very different.If regional financial risks are not in place,once the regional systemic financial crisis breaks out Due to the interrelated effects of financial institutions,it is bound to bring about the crisis of the entire financial system.Therefore,it is of great significance to analyze regional systemic financial risk in-depth and meticulous.This paper takes Henan Province's banking industry as an object of study and conducts a systematic discussion on the financial risks of the banking industry in Henan Province.On the one hand,it helps to improve the system.The system of prevention of financial risks;on the other hand,it can provide some useful reference for micro-finance institutions in Henan Province.Based on the vector autoregressive model,this paper conducts an empirical research on the systemic financial risks of the banking industry in Henan Province.It aims to monitor the risks of systematic financial risks existing in the banking industry of Henan Province and to prevent major risks and ensure the stable development of Henan Province's economy and finance,and enrich the theoretical system of systematic financial risks.The article first analyzed systematic financial risks and related concepts to clarify the concept of systematic financial risks,and then analyzed the dual nature of regional systemic financial risks.One is the external macro-environmental factors,and the other one is the regional banking industry.Its own factors,and clearly identified the contagion path of systemic financial risks in the banking sector;second,starting from the economic and financial conditions in Henan Province,comparing the macroeconomic operation of Henan Province and the actual situation of the overall banking industry in China,we conclude that the banking industry in Henan Province exists.The hidden risks of systemic financial risks are mainly the over-expansion of asset size,the need to optimize the loan structure,and the persistence of high non-performing loan ratios.Based on the analysis of the systematic financial risks of the banking industry in Henan Province,this paper starts from the banking industry itself and the macroeconomic operation of Henan Province.Starting from two aspects,we have selected some economic indicators that can reflect the trend of changes in risk,and established non-performing loan rates,economic and financial degrees,Henan Province's GDP growth rate,real estate investment growth rate,and fixed asset investment in Henan's banking financial institutions.Price index,comprehensive production of enterprises The forecast index system of the eight indices including the camp boom index,the growth rate of disposable income of urban residents,and the consumer price index of households,empirically analyzed the influencing factors of systemic financial risks in the banking industry of Henan Province using vector autoregressive models.The main influencing factors of the systemic financial risk in the banking industry in Henan Province are the real estate industry,the banking industry in Henan Province,and the resident sector.Finally,for the main influencing factors of the systemic financial risk in the Henan banking industry,this paper presents the accuracy of Henan Province.We will control the real estate market,increase the support of the real economy,strengthen bank credit management,improve the personal credit information system,and strengthen the institutional system to prevent and control risks and ensure the healthy and rapid development of the economy in Henan Province.