The 4lh part is the innovation and conclusion of the dissertation . it puts forward freshly three aspects on the base , precondition and circumstance of risk prevention , especially researches for the risk foundations - " transition period " and hinese characteristic market economy " . it brings out five entries to risk prevention : retortion of the direction of macroscopically adjustment , market financing , system innovation , the decentralization and recombination of the state property right , reformation of organizational system in the state commercial bank and the establishment of inspiritment - obligation system 第四章是全文的创新和结论部分，通过对风险防范的基础、前提条件和环境三方面的创新论述，特别是对“转轨时期”和“中国特色的市场经济”两个风险基础的研究，提出了风险防范的五个切入点：扭转宏观调控方向、市场触资制度创新、国有产权的分散重组、改革国有商业银行组织制度和激励? ?约束机制的建立。
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