中(zhong)證(zheng)網訊(xun)   中(zhong)國證(zheng)券報記者從十二屆全國人大四次會(hui)議新(xin)聞中(zhong)心了解到，全國人大代表、光(guang)大集團(tuan)董事長唐雙(shuang)寧建議盡快建立金融風險(xian)聯防機制。

　　唐雙寧(ning)表示，金融風險(xian)聯防機(ji)制(zhi)的建立(li)，重(zhong)點包括體(ti)制(zhi)、政策和技術三(san)個(ge)方(fang)面(mian)。體(ti)制(zhi)上(shang)(shang)，盡快改變(bian)“一行三(san)會”各管(guan)(guan)一域，缺乏有效協(xie)同的局面(mian)；政策上(shang)(shang)，宏(hong)觀(guan)政策應(ying)政出(chu)一門，監管(guan)(guan)政策應(ying)方(fang)向協(xie)同，微觀(guan)措施應(ying)信息(xi)相通；技術上(shang)(shang)，建立(li)管(guan)(guan)理信息(xi)平臺和數據共享平臺，確(que)保互(hu)聯互(hu)通。

　　唐雙寧具(ju)體建議：一是加(jia)快聯防(fang)機(ji)(ji)制(zhi)頂層建設(she)。配合金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)改革(ge)總體方(fang)案，構建各金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)主體之間的制(zhi)度(du)協(xie)調(diao)機(ji)(ji)制(zhi)，提高金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)聯動防(fang)范和(he)處置金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)風(feng)(feng)險(xian)的及時性和(he)有效性。在(zai)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)風(feng)(feng)險(xian)預測、分析、評估和(he)防(fang)范方(fang)面(mian)，形成常(chang)態化的信(xin)(xin)息(xi)溝通(tong)和(he)工(gong)作協(xie)作機(ji)(ji)制(zhi)；二是成立(li)(li)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)安(an)(an)全(quan)(quan)委(wei)員會。建議成立(li)(li)國家層面(mian)“金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)安(an)(an)全(quan)(quan)委(wei)員會”，成員包括一行(xing)三會、財政、工(gong)信(xin)(xin)、網(wang)辦、公(gong)安(an)(an)、安(an)(an)全(quan)(quan)、商務等部(bu)委(wei)辦，發(fa)揮綜合防(fang)范金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)風(feng)(feng)險(xian)的“拉(la)網(wang)式(shi)”安(an)(an)全(quan)(quan)平(ping)臺作用(yong)；三是建立(li)(li)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)安(an)(an)全(quan)(quan)信(xin)(xin)息(xi)網(wang)絡。建立(li)(li)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)安(an)(an)全(quan)(quan)信(xin)(xin)息(xi)共享(xiang)網(wang)絡。由央行(xing)牽頭建立(li)(li)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)安(an)(an)全(quan)(quan)信(xin)(xin)息(xi)共享(xiang)制(zhi)度(du)和(he)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)監管信(xin)(xin)息(xi)數據庫，涵蓋(gai)銀行(xing)、證券(quan)、保險(xian)業、外匯(hui)管理部(bu)門(men)和(he)司法機(ji)(ji)關的機(ji)(ji)構和(he)個人(ren)征信(xin)(xin)信(xin)(xin)息(xi)、重(zhong)要高管人(ren)員道德風(feng)(feng)險(xian)信(xin)(xin)息(xi)等各類信(xin)(xin)息(xi)。

　　據(ju)介紹，當前中國金(jin)融(rong)(rong)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)趨于嚴(yan)峻(jun)，并出現(xian)需(xu)要高度(du)重視的(de)(de)新(xin)特征：金(jin)融(rong)(rong)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)多(duo)重隱(yin)患(huan)(huan)。由不良貸(dai)款引(yin)(yin)發的(de)(de)信用風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)，業務人員違法(fa)(fa)違規(gui)引(yin)(yin)起(qi)的(de)(de)操作風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)，匯率(lv)、利率(lv)、股市波動引(yin)(yin)發的(de)(de)市場風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)，創新(xin)過度(du)引(yin)(yin)發的(de)(de)法(fa)(fa)律風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)，資(zi)產負(fu)債(zhai)錯配引(yin)(yin)發的(de)(de)流動性風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)，監管缺失(shi)引(yin)(yin)發的(de)(de)互聯網金(jin)融(rong)(rong)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)和非法(fa)(fa)集資(zi)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)，金(jin)融(rong)(rong)國際化引(yin)(yin)發的(de)(de)跨境(jing)資(zi)本流動風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)等。多(duo)重金(jin)融(rong)(rong)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)隱(yin)患(huan)(huan)逐(zhu)漸顯(xian)現(xian)，對(dui)中國金(jin)融(rong)(rong)安全構成威脅，且(qie)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)之間交(jiao)(jiao)(jiao)(jiao)織(zhi)并存(cun)(cun)(cun)。傳統風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)與(yu)創新(xin)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)交(jiao)(jiao)(jiao)(jiao)織(zhi)并存(cun)(cun)(cun)、合(he)規(gui)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)與(yu)違規(gui)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)交(jiao)(jiao)(jiao)(jiao)織(zhi)并存(cun)(cun)(cun)、資(zi)本市場風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)與(yu)資(zi)金(jin)市場風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)交(jiao)(jiao)(jiao)(jiao)織(zhi)并存(cun)(cun)(cun)、合(he)法(fa)(fa)機(ji)構風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)與(yu)非法(fa)(fa)機(ji)構風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)交(jiao)(jiao)(jiao)(jiao)織(zhi)并存(cun)(cun)(cun)、法(fa)(fa)律風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)與(yu)道德風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)交(jiao)(jiao)(jiao)(jiao)織(zhi)并存(cun)(cun)(cun)、監管風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)與(yu)無監管風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)交(jiao)(jiao)(jiao)(jiao)織(zhi)并存(cun)(cun)(cun)、本幣風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)與(yu)外(wai)幣風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)交(jiao)(jiao)(jiao)(jiao)織(zhi)并存(cun)(cun)(cun)、科技風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)與(yu)人為風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)交(jiao)(jiao)(jiao)(jiao)織(zhi)并存(cun)(cun)(cun)、表(biao)內風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)與(yu)表(biao)外(wai)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)交(jiao)(jiao)(jiao)(jiao)織(zhi)并存(cun)(cun)(cun)、境(jing)內風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)與(yu)境(jing)外(wai)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)交(jiao)(jiao)(jiao)(jiao)織(zhi)并存(cun)(cun)(cun)、實際風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)與(yu)心理(li)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)交(jiao)(jiao)(jiao)(jiao)織(zhi)并存(cun)(cun)(cun)、真實風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)與(yu)信息(xi)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)交(jiao)(jiao)(jiao)(jiao)織(zhi)并存(cun)(cun)(cun)。上述十(shi)二類風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)交(jiao)(jiao)(jiao)(jiao)織(zhi)并存(cun)(cun)(cun)，大(da)大(da)增加(jia)了風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)復雜程(cheng)度(du)和處置難(nan)度(du)。

　　唐雙寧(ning)表(biao)示，必(bi)須建立金(jin)融風(feng)(feng)險(xian)聯(lian)防(fang)機(ji)制。上(shang)述多(duo)重(zhong)風(feng)(feng)險(xian)隱(yin)患的(de)(de)蔓延(yan)，特(te)別(bie)是風(feng)(feng)險(xian)之間交織(zhi)感染，使得金(jin)融風(feng)(feng)險(xian)出(chu)現明顯的(de)(de)跨(kua)行(xing)業、跨(kua)機(ji)構、跨(kua)市場、跨(kua)領域、網絡化“聯(lian)動”的(de)(de)趨(qu)勢(shi)。面對(dui)這(zhe)種趨(qu)勢(shi)，單個的(de)(de)監管部門，單一(yi)的(de)(de)管控(kong)方法將(jiang)無法有效防(fang)止風(feng)(feng)險(xian)蔓延(yan)。