Does anyone know the importance, urgency, and urgency of the study of financial security issues

Answer] :(1) the negative impact of illegal capital inflow on China's financial security;

2) the risks caused by economic globalization to China's financial security;

Third, the impact of capital account opening on China's financial security;

4) Fushan online finance puts forward new issues for China's financial security;

5) Backward financial equipment and low degree of localization are major hidden dangers to China's financial security;

6) Financial supervision cannot fully meet the needs of China's financial security;

7) The construction of the financial legal system is not fully compatible with the requirements of ensuring China's financial security.

With the deepening of reform, China's economy has entered a new stage of development. The new financial industry, which is characterized by the innovation of financial townspeople, has become a pioneer in leading China's economy towards sustainable development. Financial psychology is closely related to the development of finance, and in this new situation, it is more and more important to pay attention to financial psychology and improve financial psychology.

In particular, the recent dramatic changes have focused on the unique role of financial psychology.

It is of immeasurable significance not only to ordinary investors, but also to the executives of large institutions and large consortia. Stabilizing emotions and maintaining a good mood, especially the cold collapse of the brigade key to analyze and observe market changes, and make the right policy decisions, has special value, and both sides of the game are indispensable tools.

At present, financial development is facing three major challenges, and it is necessary to pay attention to the research of financial psychology.

First, the rapid development of the Internet in the financial field has made unprecedented contributions to economic progress and the improvement of the quality of social life, enabling people to truly enjoy the true meaning of modernization. This kind of modernization goes far beyond the traditional upstairs and downstairs, the interpretation of the so-called modernization of electric light**. However, people lack sufficient psychological and spiritual preparation for the rapid penetration of Internet finance into our daily life, in the face of dazzling new technologies, many people have lost their original reserve, excited, and even manic, and some people do not hesitate to violate the law and take risks to engage in activities unrelated to normal finance, such as illegal fundraising, illegal financing, illegal financing, etc., which disrupt the normal operation of the financial market on the one hand, and increase financial risks on the other hand.

There is a clear lack of clear understanding and preparation for the risks of online finance, and crime in the financial sector has become more and more serious and worse recently. Recently, many places** have begun to pay attention to P2P risk control. The fast-paced chaotic nature of online finance makes financial psychology an extremely important and non-negligible factor.

The financial industry is represented by banks, so it can be seen from the principle of three genders.

The "three principles" of commercial banks: security, liquidity and profitability are the operating principles of commercial banks, security is the first operating principle of commercial banks, liquidity is not only a necessary means to achieve security, but also a balanced lever between profitability and security, maintaining appropriate liquidity, is the strategic means of commercial bank operation; Security is the foundation of profitability, which in turn ensures security and liquidity. Therefore, commercial banks that operate steadily always pursue maximum profits on the premise of maintaining safety and liquidity.

Security means that a commercial bank should strive to avoid the impact of various uncertainties on it and ensure the operation and development of the commercial bank. The reason why commercial banks must adhere to the principle of security is because of the special nature of commercial banks' operations. Reason:

Commercial banks have relatively little capital of their own and cannot withstand relatively large losses. Due to the peculiarities of the operating conditions of commercial banks, it is particularly necessary to emphasize their safety. Commercial banks will face various risks in the course of operation.

Liquidity refers to the ability of commercial banks to meet the needs of customers for cash withdrawal and necessary loans at any time, including the liquidity of assets and the liquidity of liabilities, and the liquidity of assets refers to the ability of assets to be quickly realized without losses, which refers to both liquid assets and the ability of other assets to be transformed into liquid assets without losses when liquid assets are insufficient.

Profitability, all operating enterprises have a common goal - the pursuit of profit. By absorbing deposits, issuing bonds, and other liabilities, commercial banks have concentrated the idle funds of enterprises, institutions, and individuals, and then they have gone through the business of issuing loans, operating investments, and other assets, and have used the concentrated funds to make up for the temporary shortage of funds of some enterprises, institutions, and individuals.

The three relationships between the three genders in the operation of commercial banks are often contradictory. From the perspective of profitability, the assets of commercial banks can be divided into profit-making assets and non-profit-making assets, and the higher the proportion of funds used for capital and profit-making assets, the higher the interest charged by commercial banks and the larger the scale of profits. From the perspective of liquidity, non-profit assets such as cash assets can be used at any time to meet the needs of deposits, and have full liquidity, so the higher the inventory of cash assets, the stronger the ability of the commercial banking system to cope with the embodiment, and the stronger the liquidity of commercial banks.

From the perspective of safety, in general, assets with higher returns are always more risky. In order to reduce risks and ensure the safety of funds, commercial banks have to put assets with low returns on funds. In fact, there is a potential unification and coordination relationship between the three principles of commercial bank operation.

As the blood of the entire economy and society, financial security and stability have a direct impact on the overall development of China's economy and society. If financial security is lost, it is highly likely to cause social unrest. On the other hand, financial security must be built on the basis of social stability, because certain sudden factors of social instability are often the trigger for financial crises.

According to the nature of financial business, financial security can be divided into bank security, monetary security, security, etc., and its extreme is the banking crisis, currency crisis, and crisis.

The necessity of financial security certification.

E-commerce online transactions have the following basic security requirements:

1. Identity Absolute Balance Identification Before conducting a transaction in a double transaction, it is first necessary to be able to confirm the identity of the other party, and the identities of both parties to the transaction must not be counterfeited or disguised.

2. Confidentiality of data Sensitive information should be encrypted, even if others intercept the data, they will not be able to get the contents.

3. The integrity of the data requires the receiver to be able to verify whether the information received is complete and whether it has been tampered with by others, so as to ensure the seriousness of the transaction and the integrity of the public transportation.

4. Non-repudiation Once the transaction is concluded, the sender cannot deny the information he sent, and the receiver cannot deny the information he received.

These requirements can only be fulfilled by establishing a certification center and issuing authoritative and trustworthy electronic certificates.

Therefore, the Financial Security Certification is absolutely necessary.