由美国次贷危机引申的关于金融风险防范的探讨

内 容 摘 要

2008年美国次级贷款引发的全球性金融危机，是全球金融史上最罕见的，在很短暂的时间内，危机就由美国波及到欧洲、日本，进而影响到全世界的经济。 “金融危机一扫而过，金融机构应声倒地！”这句话很好的形容了金融监管防火墙在这次金融危机中，因为本身机构的不够完善，没有起到有效的预防和扼杀金融危机的作用，在这次危机中，我国经济迅速恢复、持续增长在很大的程度上对世界经济的复苏起到了很大的作用，曾一度被提出世界经济的“中国模式”。但因主要出口国美国和欧盟的出口量锐减对我国实体经济也带来了严重的破坏。在全球提倡经济自由化的大背景下，在我国进一步加大改革开放的形势下，我们应采取怎样有效的措施防范或减轻未来区域性或全球性的金融危机对我国经济的影响，以保证中国经济持续稳健的发展？在这里我们将进行简单的探讨。

     此次探讨从研究美国次贷危机发生的原理以及经验教训出发，在理解金融风险，分析我国主要金融风险的基础上，从微观经济条件下、宏观经济条件下，并结合我国金融监管的改革和建立指标性的金融风险预警模式，对我国金融风险的防范作出简单论述。

关键词：  金融危机，次贷危机，金融风险，金融监管，金融风险预警系统

目       录

绪论························································1

选题背景·············································1

美国次贷危机发生原理·································1

美国次贷危机产生的原因分析···························2

次贷危机的经验教训···································2

关键词解释···········································3

金融风险····················································4

风险·················································4

金融风险·············································4

金融风险的特征·······································4

我国的金融风险分析··········································5

我国主要存在的金融风险·······························5

次贷危机后我国金融风险的新变化·······················6

我国金融风险防范的建议······································7

微观经济条件下的金融风险防范·························7

金融机构的风险管理··································7

非金融机构的风险管理································8

宏观经济条件下的金融风险防范·························9

保持经济稳定的财政金融政策··························9

利用汇率政策来防范金融风险··························9

我国金融监管改革的建议·······························10

我国金融风险预警系统·································10

总结及展望··················································11

附：参考文献