Chen Wenhui batch of financial institutions deviate from the main business: the other kind of land shortage2017-03-19 06:30:07 211 ℃
Chen Wenhui batch of financial institutions deviate from the main business: the other kind of land shortage
In March 18, 2017 new client Jingwei China Development Forum held in Beijing on 18, the China Insurance Regulatory Commission Vice Chairman Chen Wenhui said that the "new normal economic development under the risk and response", some financial institutions have forgotten the origin, deviating from the main, the blind multiplication, all staking to earn quick money, sometimes even a "someone else's land shortage of their own land",
Chen Wenhui pointed out that in 2016, China's financial sector to increase the proportion of GDP accounted for 8.3%, the financial sector net profit and net profit of state-owned enterprises in the same period, roughly the same. What about this data? Idle funds in the financial sector, before the phenomenon of money speculation is to some extent.
Chen Wenhui pointed out that the financial business risk deviation from the main business, the risk is a strategic level, will have an impact on the whole industry, some financial institutions have forgotten the origin, deviating from the main, the blind multiplication, all staking to earn quick money, sometimes even kind of someone else's land shortage of their own land "this phenomenon, in the financial industry in various fields of varying degrees, even through a variety of ways to circumvent the regulation, if there will be a good grasp of risk.
Chen Wenhui said that if the equity structure is not reasonable, penetrating the regulation is not in place, corporate governance may be distorted, internal and external supervision will fail, financial institutions are likely to be other actual control, and even become private interests or the promotion of financing platform, if there is a big risk, is often the last for the whole society to pay.
Chen Wenhui mentioned the risk management passion that financial institutions have to have is the sound operation of the image, but there is a bad phenomenon, is the different types of financial institutions regardless of the risk, one-sided pursuit of profit, blind development in revenue. In fact, if we consider the risk of liquidity as a weighting factor to consider, the yield of various types of financial products, there is a reasonable mechanism, not to say that the higher the better.
In addition, the risk of asset liability mismatches. There is a mismatch between the assets and liabilities of financial institutions on the term structure, which is one of the sources of profits. But from a practical point of view, a number of financial institutions by way of the way to increase leverage significantly increased the degree of mismatch between assets and liabilities, artificially increased some risk.
Chen Wenhui said, there is the risk of liquidity, which is a manifestation of the results of other risks. Some financial institutions do not pay attention to the rational allocation of assets and liabilities, and even misappropriation of funds, and finally it is likely to lead to liquidity risk.
Chen Wenhui pointed out that the current financial security has become an important cornerstone of national security. We deal with financial risks, we must grasp the basic law, but also from the reality of China, to update the concept, the courage to take the initiative as. (middle latitude and longitude APP)
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