浅谈当今存在的金融风险及防范措施分析研究 财务会计学专业VIP专享VIP免费

论金融风险的防范摘要金融已经成为国民经济、对外国际关系的核心内容，也是自从上世纪以来继原材料、产品市场竞争之后的第三次竞争焦点，因而加强我国金融体系的财政防范措施是至关重要的。所以本文首先对金融风险的理论进行了简单的介绍，其次分析了我国金融当前存在的主要风险，主要包括宏观金融风险、我国主要金融机构风险，另外，我国通过案例分析对美国次贷危机进行了详细的分析，最后提出了防范金融风险的一些政策，比如说我国有关政府部门应该保持宏观经济健康稳定发展、促进金融市场快速发展、加强金融监管三个方面来改善我国金融风险，从而促进我国金融业的快速发展。关键词：金融风险；金融业；次贷危机FiscalmeasurestoguardagainstfinancialrisksABSTRACTFinancehasbecomethecorecontentofthenationaleconomy,foreigninternationalrelations,isalsotherawmaterials,productmarketcompetitionafterthethirdsincethelastcentury,thefocusofcompetition,andthusstrengthenthefinancialsysteminChina'sfinancialprecautionsiscrucial.Thisarticlefirsttheoryoffinancialrisksbriefintroduction,followedbyanalysisofChina'sfinancialcurrentmajorrisk,includingmacro-financialrisks,China'smajorfinancialinstitutionsrisk,inaddition,throughcasestudiesinChinatotheU.S.subprimemortgagecrisisdetailedanalysisconcludeswithsomepolicytoguardagainstfinancialrisks,forexample,China'sfinancialsectorshouldmaintainthehealthyandstabledevelopmentofmacroeconomicandpromotetherapiddevelopmentoffinancialmarkets,strengthenfinancialsupervisiontoimproveChina'sfinancialrisk,soastopromoteChina'sfinancialindustrytherapiddevelopment.Keywords：Financialrisks；Financialsector；Subprimemortgagecrisis目录1引言..................................................12金融风险理论综述......................................22.1金融风险概述..................................................22.1.1金融风险的概念及特征........................................22.1.2金融风险的分类..............................................22.2金融风险的相关理论............................................22.2.1金融传染理论................................................22.2.2金融道德风险理论............................................22.2.3泡沫经济理论................................................32.2.4马克思主义金融危机理论......................................33我国当前存在的主要金融风险............................43.1宏观金融风险..................................................43.1.1我国实体经济受国际金融风暴影响较大..........................43.1.2我国巨额外汇储备带来的风险..................................43.1.3我国高储蓄率导致的风险......................................43.1.4我国房地产市场调整带来的风险................................53.2我国主要金融机构风险..........................................53.2.1我国银行业存在的主要风险....................................53.2.2非银行业金融机构存在的主要风险..............................53.3美国次贷危机分析..............................................63.3.1美国次贷危机介绍............................................63.3.2美国次贷危机的原因分析......................................63.4国外应对金融危机的措施.......................................73.4.1美国采取的应对措施.........................................73.4.2日本采取的应对措施.........................................73.4.3德国采取的应对措施.........................................74有效防范金融风险建议..................................94.1保持宏观经济健康稳定发展......................................94.2促进金融...