The Moral Risk And Prevention Of Financial Practitioners

The financial industry undertakes the task of optimizing the allocation of market resources and adjusting the economy,which is the core of the healthy development of economy.With the penetration of the financial industry in various fields,the financial industry has a more profound impact on society,and people are more or less exposed to financial transactions in their daily life.But with the financial industry’s rapid development,the depth and breadth of broadening the involved at the same time,the risk of moral risk is also showing a trend of spreading.For violations of the financial industry,to become China’s current financial work can’t avoid difficulties.Financial transaction activity is not only concerned with the value of efficiency,but also contains corresponding moral requirements.As the main body of the financial industry,financial practitioners are the important factors of the healthy and orderly development of the financial industry and the main producers of moral risk.Therefore,this paper makes an in-depth analysis of the moral risk of financial practitioners based on the perspective of the interdisciplinary subject of ethics and economics.On the basis of previous studies,the author puts forward some suggestions on preventing the moral risk of financial practitioners.First of all,in this paper,on the basis of many related literature research,to clarify the connotation of the moral risk,analyzes the moral risk and its characteristics of financial practitioners.The main performance of the moral risk of financial practitioners and harm are summarized.Secondly,the causes of moral risk are analyzed through four aspects:subjectivity,institution,supervision and moral environment.Finally,on the basis of previous research,the author puts forward specific measures to guard against the moral risk of financial practitioners.From the four aspects,we should jointly guard against the moral risk of financial practitioners.Firstly,we should follow the law of moral internalization and raise moral consciousness through cognition,emotion,faith and practice.With a kind of soft binding force,financial practitioners internalize financial professional ethics standards,and then consciously implement them in financial transactions.The second is to improve the mechanism construction,from the three aspects of conflict prevention,incentive and reputation mechanism,to form a positive attraction.The third is to strengthen the supervision,from the improvement of the industry self-regulatory organization and improve the external supervision mechanism to strengthen the rigid constraint.Fourth,we will optimize the social and financial moral environment and create an excellent external environment for moral self-consciousness.