(1) Establish a financial risk assessment system.
There are four main links in financial risk management, namely, risk identification, risk measurement, risk prevention and risk resolution. These links all depend on risk assessment, which is the premise and basis for preventing financial risks. At present, there are some risk rating agencies and risk rating index systems in China's financial market, but they are not perfect enough. We need to do the following work well: ① Improve the scientific financial early warning index system. ② Develop financial risk assessment model.
(2) Establish an early warning information system
Perfect information system is the premise of effective supervision. At present, although China has formed a relatively complete market statistical index system, its support for risk monitoring and early warning is still limited, which is still far from the requirements of the Basel Committee's Core Principles for Effective Banking Supervision. ① Increase indicators to describe the overall financial risks of the market and the risks of financial institutions, and provide information support for risk monitoring and early warning. ② Strictly improve the financial statement system of financial institutions, and formulate strict data collection contents and formats, methods and channels. The information reported by financial institutions should be audited by accountants and auditors. If fraud or delay is found, the regulatory authorities should punish it.
(3) Establish a good corporate governance structure
Whether the governance structure of financial institutions is good or not is very important to prevent financial risks. If the corporate governance structure is flawed, it will increase the risk of the financial system. The practice of foreign banks shows that the occurrence of financial risks and financial crises should be attributed to the lack of corporate governance to some extent. In recent years, the reform of China's financial industry attaches great importance to the improvement of corporate governance structure, but the positioning of owners and operators of wholly state-owned commercial banks is still unclear, and the senior management still combines governance and management rights into one, lacking the supervision mechanism of governance and operation. On the surface, the governance structure of joint-stock commercial banks is good, but in practice, there are also problems such as too high proportion of shareholders' loans and ignoring the income of minority shareholders. Therefore, the following work should be done in corporate governance structure: ① Improve the decentralization structure of state-owned commercial banks. ② Improve the organizational structure of corporate governance. ③ Improve the incentive mechanism and restraint mechanism. ④ Strengthening information disclosure and transparency.