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金融企业特别是银行业,以经营金融资产和金融负债为主要业务,其资金来源是对广大存款人的负债,自有资金占银行资本总额的比重较小。高负债经营的特点,决定了银行属于高风险行业。加之银行具有广泛的宏观性、社会性和巨大的外部性,其倒闭会产生多米诺骨牌式的连锁效应,从而导致整个金融体系和实体经济体的动荡,严重的可能会产
The financial enterprises, especially the banking industry, mainly focus on the operation of financial assets and financial liabilities. Their sources of funding are the liabilities of the majority of depositors. The proportion of their own funds in the total bank capital is small. The characteristics of high-liability businesses determine that banks belong to high-risk industries. Coupled with the bank’s extensive macroeconomic, social and huge externalities, its collapse will have a domino chain effect, leading to turmoil in the entire financial system and real economy, and serious possible production