近年来,诸如陕西神木农商行“房姐”事件、烟台银行董事长庄永辉腐败案以及渤海银行职员挪用储户千万资金私自放贷案等金融案件的频发,给国家经济和人民利益带来了巨大损失。面对当前各地区金融案件所呈现出的道德风险危机,作为地方经济运行和发展实施者和管理者的地方政府,必须不断深化金融管理体制改革,增强新形势下应对金融道德风险的能力。一、我国金融道德风险的现状金融道德风险,是指由于败德行为使金融资产遭受损失的可能性(欧阳润平:《关于金融道德风险的一般分析》,《求索》1998年第6期)。当今出现的金融道德风 In recent years, such as Shaanxi Shenmu Rural Commercial Bank “Housing sister ” incident, Yantai Bank Chairman Zhuang Yonghui corruption case and the Bohai Bank staff misappropriation depositors tens of millions of funds private loans and other financial cases frequently, to the national economy and people’s interest zone A huge loss came. Faced with the current crisis of moral hazard in various financial cases in various regions, the local governments, as the implementers and managers of local economic operations and development, must continuously deepen the reform of the financial management system and enhance the ability to cope with financial moral risks under the new situation. First, the status quo of China’s financial moral hazard Financial moral hazard refers to the possibility of financial assets suffered as a result of bad moral behavior (Ouyang Ruiping: “General Analysis of Financial Moral Hazard”, “Seeking” No. 6, 1998) . The financial morality that emerges today