金融风险是在货币经营和信用活动中,由于金融机构或投资者的实际收益及其预期结果之间的差异导致的风险。其原因是复杂的,既有经营管理方面的,也有现实的。从企业方面看,企业经营机制尚未真正建立是不良信贷资产产生的根本原因,从银行方面看,商业银行缺少健全的信贷约束机制,导致信贷资产危险。本文分析了金融风险产生的因素,并阐述了具体的解决对策。 Financial risk is the risk that arises from the difference between the actual return on a financial institution or an investor and its expected result in monetary operations and credit activities. The reason is complex, both business management, but also realistic. From a business perspective, the business management mechanism has not yet really established is the root cause of bad credit assets, from a bank perspective, commercial banks lack of sound credit constraint mechanism, leading to the risk of credit assets. This article analyzes the factors that have caused the financial risk and elaborates the specific solutions.