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周秉腾 前不久,接到一封英国来信,对我们第5期茶座探讨的民营经济问题很感兴趣。同时,国内许多热心读者也对我们茶座给予了肯定。茶座之所以能办成功,我想主要有两个原因,一是主题都是热点、焦点问题,选题不错;二是参加者都是专家、学者、企业家,定位较高。今天我们来讨论一下银行风险、企业风险、证券风险的转化问题。 李强 (人行深圳特区分行金融研究所所长)改革开放后,随着计划经济向商品经济、市场经济转变越来越大,用小平同志的话:“金融是现代经济的核心”。从投入建设的资金量来说,金融占着越来越大比重。如果说有什么风险,应该说是国家信用风险,随着银行作用越来越大,就转移为了金融风险。如果把证券市场仅仅当作圈钱的场所,那它本身蕴含巨大风险,这种风险是社会风险。它包括四方面:一是上市公司本身,如琼民源作假;二是券商;三是政府政策不规范、不成熟;四是股民不成熟。
Not long ago, Zhou Bingteng received a letter from the United Kingdom and was very interested in the private economy issue that we discussed at the 5th Cafe. At the same time, many domestic enthusiastic readers also affirmed our cafe. The reason why cafes can be successful, I think there are two main reasons, one is the theme are hot, the focus of the problem, the selection of good; Second, the participants are experts, academics, entrepreneurs, higher positioning. Today we will discuss about bank risk, corporate risk and securities risk conversion. After the reform and opening up, with the planned economy shifting to a commodity economy and a market economy, Li Qiang (director of the Institute of Finance of Shenzhen Special Economic Zone Branch of the PBOC) said in Comrade Xiaoping’s words: “Finance is the core of the modern economy.” From the amount of money invested in construction, finance accounts for an ever-increasing proportion. If there is any risk, it should be said that the national credit risk, as the bank’s role is more and more transferred to financial risk. If the stock market is merely used as a place for misappropriating money, it inherently poses a great risk, which is social risk. It includes four aspects: First, the listed company itself, such as Joan source fraud; second is the brokerage; third is the government policy is not standardized, immature; Fourth, the immature investors.