2. Regional financial risk is the financial risk faced by the financial industry in an economic region. According to the influence scope and basic characteristics of financial risks, financial risks are embodied in different levels, namely macro financial risks, regional financial risks and micro financial risks.
Extended data:
The characteristics of systemic risk are:
It has a general adverse impact on the entire stock market or most stocks. The consequences of systemic risk are universal, and its main feature is that almost all stocks fall, and investors often lose a lot. It is precisely because this kind of risk cannot be offset or eliminated by diversification that it is also called non-dispersible risk.
Guard against regional financial risks:
First, improve the regional risk monitoring, assessment and disposal mechanism, strengthen regional financial supervision, promote supervision and coordination, strengthen risk prevention and control in key areas, and prevent cross-industry and cross-market transmission of risks.
Second, continue to deepen financial reform, steadily promote financial innovation, improve the business structure and profit model of financial institutions, and improve the risk pricing ability and risk management level.
Third, we must strictly guarantee the quality of credit, continue to implement the policy of "total control, classified management, differential treatment and gradual resolution" for loan risks, further optimize and adjust the credit structure, grasp the investment of new loans, and comprehensively improve the quality and level of financial services to the real economy.
Fourth, strengthen cooperation among financial institutions in the region, and create a good regional economic environment through information sharing and mutual supervision. In addition, we should focus on preventing external risks such as private financing and illegal fund-raising from infecting the financial system.
Baidu Encyclopedia-System Risk
Baidu Encyclopedia-Regional Financial Risks