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學習快評丨qibao666888　　不??(bu)過??(guo)??，金??(jin)融??(rong)領(lǐng)??(ling)域??(yu)各??(ge)種??(zhong)矛??(mao)盾??(dun)、各??(ge)種??(zhong)問??(wen)題??(ti)仍??(reng)然??(ran)突??(tu)出??(chu)??，監(jiān)??(jian)管??(guan)和??(he)治??(zhi)理??(li)能??(neng)力??(li)相??(xiang)對??(dui)薄??(bo)弱??(ruo)??，風??(feng)險??(xian)隱??(yin)患??(huan)仍??(reng)然??(ran)較??(jiao)多??(duo)??。?一??(yi)方??(fang)面??(mian)??，世??(shi)界??(jie)百??(bai)年??(nian)未??(wei)有??(you)之??(zhi)大??(da)變??(bian)局??(ju)加??(jia)速??(su)演??(yan)進??(jin)??，國??(guo)內(nèi)??(nei)外??(wai)政??(zheng)治??(zhi)經(jīng)?(jing)濟??(ji)社??(she)會??(hui)環(huán)??(huan)境??(jing)和??(he)形??(xing)勢??(shi)發(fā)?(fa)生??(sheng)深??(shen)刻??(ke)變??(bian)化??(hua)??，不??(bu)穩(wěn)??(wen)定??(ding)不??(bu)確??(que)定?(ding)不??(bu)安??(an)全??(quan)難??(nan)預??(yu)料??(liao)的??(de)風??(feng)險?(xian)因??(yin)素??(su)明??(ming)顯??(xian)增??(zeng)多??(duo)???，F(xiàn)??(xian)代??(dai)科??(ke)技??(ji)在?(zai)金??(jin)融??(rong)領(lǐng)??(ling)域??(yu)的??(de)廣??(guang)泛??(fan)應??(ying)用??(yong)??，使??(shi)金??(jin)融??(rong)市??(shi)場??(chang)運??(yun)行??(xing)邏??(luo)輯??(ji)、金??(jin)融??(rong)風??(feng)險??(xian)生?(sheng)成??(cheng)機??(ji)理??(li)、金??(jin)融??(rong)風??(feng)險??(xian)傳??(chuan)染??(ran)路??(lu)徑??(jing)等??(deng)發(fā)??(fa)生?(sheng)重??(zhong)大??(da)變??(bian)化??(hua)??，金??(jin)融??(rong)風??(feng)險??(xian)誘??(you)因?(yin)和??(he)形?(xing)態(tài)??(tai)更??(geng)加??(jia)多??(duo)元??(yuan)復??(fu)雜??(za)??。另??(ling)一??(yi)方??(fang)面??(mian)??，我??(wo)國??(guo)金??(jin)融??(rong)業(yè)??(ye)市?(shi)場??(chang)結(jié)??(jie)構(gòu)??(gou)、產(chǎn)??(chan)品?(pin)體??(ti)系??(xi)、經(jīng)??(jing)營??(ying)理??(li)念??(nian)、創(chuàng)??(chuang)新??(xin)能??(neng)力??(li)、服??(fu)務?(wu)水?(shui)平??(ping)還??(hai)不??(bu)適??(shi)應??(ying)各??(ge)種??(zhong)變??(bian)化??(hua)的??(de)要?(yao)求??(qiu)??，一??(yi)些??(xie)金??(jin)融??(rong)機??(ji)構(gòu)??(gou)公??(gong)司??(si)治??(zhi)理??(li)效??(xiao)能??(neng)依?(yi)然??(ran)較??(jiao)低??(di)??，新??(xin)老??(lao)問??(wen)題??(ti)交??(jiao)織??(zhi)疊??(die)加??(jia)??，金??(jin)融??(rong)風??(feng)險??(xian)處??(chu)置??(zhi)機??(ji)制??(zhi)還??(hai)不??(bu)健??(jian)全??(quan)??，金??(jin)融??(rong)法?(fa)治??(zhi)環(huán)?(huan)境??(jing)和??(he)信??(xin)用??(yong)體??(ti)系?(xi)建??(jian)設(shè)??(she)仍??(reng)然??(ran)滯??(zhi)后??(hou)??。房??(fang)地??(di)產(chǎn)??(chan)市??(shi)場??(chang)風?(feng)險??(xian)、地??(di)方??(fang)債??(zhai)務??(wu)風??(feng)險??(xian)、商??(shang)業(yè)??(ye)銀??(yin)行??(xing)資??(zi)產(chǎn)??(chan)質(zhì)??(zhi)量??(liang)風??(feng)險??(xian)、外??(wai)部??(bu)沖??(chong)擊??(ji)風??(feng)險??(xian)等??(deng)各??(ge)種??(zhong)金??(jin)融??(rong)風??(feng)險??(xian)與?(yu)非?(fei)金??(jin)融??(rong)風??(feng)險??(xian)相?(xiang)互??(hu)交??(jiao)織??(zhi)??，復??(fu)雜?(za)性??(xing)、隱??(yin)蔽??(bi)性??(xing)、滲??(shen)透??(tou)性??(xing)、傳??(chuan)染??(ran)性?(xing)持??(chi)續(xù)??(xu)增??(zeng)強??(qiang)??。風??(feng)險??(xian)防??(fang)控??(kong)任?(ren)務?(wu)依??(yi)然??(ran)十?(shi)分??(fen)艱??(jian)巨??(ju)??。　　改??(gai)進??(jin)和??(he)加??(jia)強?(qiang)金??(jin)融??(rong)監(jiān)??(jian)管??(guan)??，尤?(you)其??(qi)需??(xu)要??(yao)在??(zai)提??(ti)高??(gao)監(jiān)??(jian)管??(guan)針??(zhen)對?(dui)性??(xing)和??(he)監(jiān)??(jian)管??(guan)有??(you)效??(xiao)性??(xing)上??(shang)下??(xia)大??(da)氣??(qi)力??(li)??。??要?(yao)進??(jin)一??(yi)步??(bu)完?(wan)善??(shan)具??(ju)有??(you)中??(zhong)國??(guo)特??(te)色??(se)的??(de)監(jiān)??(jian)管??(guan)體??(ti)系??(xi)和??(he)監(jiān)??(jian)管??(guan)規(guī)??(gui)則??(ze)??，不??(bu)斷??(duan)拓??(tuo)展??(zhan)宏?(hong)觀??(guan)審?(shen)慎??(shen)和??(he)金??(jin)融??(rong)穩(wěn)??(wen)定??(ding)功??(gong)能??(neng)??，將??(jiang)所??(suo)有??(you)金??(jin)融??(rong)業(yè)??(ye)務??(wu)、金??(jin)融??(rong)活??(huo)動??(dong)、金??(jin)融??(rong)行??(xing)為??(wei)納??(na)入??(ru)監(jiān)??(jian)管??(guan)??，做??(zuo)到??(dao)監(jiān)??(jian)管?(guan)全??(quan)覆?(fu)蓋??(gai)??。要?(yao)加??(jia)強??(qiang)宏??(hong)觀??(guan)審?(shen)慎??(shen)管??(guan)理??(li)與?(yu)微??(wei)觀??(guan)審??(shen)慎??(shen)監(jiān)??(jian)管?(guan)的??(de)協(xié)??(xie)同??(tong)配??(pei)合??(he)??，在??(zai)過??(guo)去??(qu)機??(ji)構(gòu)??(gou)監(jiān)??(jian)管??(guan)的??(de)基?(ji)礎(chǔ)??(chu)上?(shang)??，強??(qiang)化??(hua)行??(xing)為??(wei)監(jiān)??(jian)管??(guan)和??(he)功??(gong)能?(neng)監(jiān)??(jian)管??(guan)??，實??(shi)施??(shi)穿??(chuan)透?(tou)式??(shi)的??(de)持??(chi)續(xù)??(xu)監(jiān)??(jian)管?(guan)??，消??(xiao)除??(chu)重??(zhong)復??(fu)監(jiān)??(jian)管??(guan)和??(he)監(jiān)??(jian)管??(guan)空??(kong)白??(bai)、監(jiān)?(jian)管??(guan)盲??(mang)區(qū)??(qu)??。要??(yao)推??(tui)進??(jin)金??(jin)融??(rong)監(jiān)??(jian)管??(guan)的??(de)數(shù)??(shu)字??(zi)化??(hua)轉(zhuǎn)??(zhuan)型??(xing)??，不??(bu)斷??(duan)完??(wan)善??(shan)金??(jin)融??(rong)監(jiān)??(jian)管??(guan)數(shù)??(shu)據(jù)??(ju)治??(zhi)理??(li)??，加?(jia)快?(kuai)建??(jian)設(shè)?(she)金??(jin)融??(rong)監(jiān)?(jian)管??(guan)大??(da)數(shù)?(shu)據(jù)?(ju)平??(ping)臺?(tai)??，開??(kai)發(fā)??(fa)金?(jin)融?(rong)監(jiān)?(jian)管??(guan)的??(de)智??(zhi)能??(neng)化??(hua)風??(feng)險??(xian)分??(fen)析??(xi)工??(gong)具??(ju)??，提??(ti)高??(gao)金??(jin)融?(rong)監(jiān)??(jian)管?(guan)流??(liu)程??(cheng)標??(biao)準??(zhun)化??(hua)線??(xian)上??(shang)化??(hua)水??(shui)平??(ping)??。要??(yao)建??(jian)立??(li)金??(jin)融??(rong)風??(feng)險?(xian)的??(de)科??(ke)學??(xue)防??(fang)控??(kong)體??(ti)系??(xi)??，構(gòu)??(gou)建??(jian)金??(jin)融??(rong)風??(feng)險??(xian)早??(zao)期??(qi)識??(shi)別??(bie)和??(he)預??(yu)警??(jing)、中??(zhong)期??(qi)監(jiān)??(jian)測??(ce)與??(yu)預??(yu)判??(pan)、后??(hou)期??(qi)應??(ying)急??(ji)處??(chu)置??(zhi)的??(de)協(xié)??(xie)同??(tong)與??(yu)聯(lián)??(lian)動??(dong)機??(ji)制??(zhi)??。。