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党的十八大报告提出,要健全促进宏观经济稳定、支持实体经济发展的现代金融体系。实现这一总体要求,需要建设一个健全完善的金融市场,而市场发展成熟的标志之一则是建立起与之相适应的风险理念。而这一点,恰恰是现阶段我国金融市场发展中的“短板”。当前我国金融市场具有明显的风险厌恶和低容忍特征近年来,我国金融市场总量迅速扩大、滞后状况显著改观,但风险理念却未同步跟上。一是市场供应以低风险产品为主。我国金融市场的一个突出特征是,低风险金融产品受到追捧,需求者众多,需求量也非常庞大,风险较高产品则需求
The report of the 18th CPC National Congress put forward the need to improve the modern financial system that promotes macroeconomic stability and supports the development of the real economy. To achieve this overall requirement, we need to build a sound financial market, and one of the signs of maturity of the market is to establish a risk concept that is compatible with it. And this is exactly the “short board” in the development of China’s financial market at this stage. At present, China’s financial market has obvious characteristics of risk aversion and low tolerance. In recent years, the total amount of financial markets in our country has rapidly expanded and the lagging conditions have significantly improved. However, the risk concept has not kept pace with the trend. First, the market supply of low-risk products. A prominent feature of China’s financial markets is that low-risk financial products are sought after by many consumers, demand is also very large, high-risk products are required