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促进金融市...
