论文部分内容阅读
一、金融高风险区的信贷风险特点所谓金融高风险区是金融业务风险程度较高、金融违规违纪案件相对集中的区域,泛指我国沿江沿海等经济较发达地区。金融高风险区,由于地处经济比较发达地区,我国改革开放的前沿,在社会经济运行中,经济总量大、信息反应快、市场潜力大,客观上成为中外众多商业银行尤其是中国新兴股份制商业银行抢滩铺点的热土。但纵观改革开放二十多年来,尤其是进入九十年代后国家对金融领域中暴露和存在的问题采取加强宏观
I. Characteristics of Credit Risks in High-risk Areas of Finance The so-called high-risk areas of finance are areas with a relatively high degree of risk in financial operations and relatively concentrated cases of financial irregularities and violations, which refer to the more economically developed areas along China’s coastal areas along the coast. As the high-risk financial area is located in the economically developed areas, the forefront of China’s reform and opening up, in the social and economic operation, the economy is large, fast response information, the market potential, objectively become a large number of commercial banks in China and foreign countries, especially emerging stock Commercial banks beachhead hotspot. However, over the past two decades or more since the reform and opening up, especially since the 1990s, China has stepped up its macro-level of exposing and existing problems in the financial field