摘要2008年9月以来，美国金融风暴席卷全球，世界一些顶尖投资银行随之土崩瓦解，东欧、南美的多个国家甚至濒临破产的边缘，各国的金融体系和银行业安全性都面临着巨大的威胁与挑战。在美国的金融危机向更深层次以及向全球演进的背景之下，各国实体经济发展也受到拖累，导致全球经济陷入衰退。受此次金融危机的影响，中国经济也面临前所未有的考验，我们不仅仅要应对在美直接投资的损失，更要应对美国金融危机导致世界经济大萧条对中国实体经济的影响。虽然从总体上看，我国的银行安全性是好的，但是危机也使我国各商业银行直接或间接地遭受到不同程度的损失或者安全性威胁。因此，研究此次金融危机对我国银行业的影响，分析此次金融危机教训，进一步防范我国银行业风险、加强内部风险控制、积极进行金融创新具有重要的现实意义。关键词：金融危机银行业次贷危机ABSTRACTSinceSeptember2008,theusfinancialstormsweptacrosstheworld,theworld'stopinvestmentbankthensomecrumble,easternEurope,SouthAmericancountriesevenonthevergeofbankruptcy,thecountriesofthefinancialsystemandthebankingindustryisfacingahugesecuritythreatsandchallenges.ThefinancialcrisisintheUnitedStatestoadeeperlevelandglobalevolutiontothebackground,countriesentityeconomydevelopmentisdrag,leadingtotheglobalrecession.Bytheinfluenceofthefinancialcrisis,theChineseeconomyisalsofacesunprecedentedtrial,weshouldnotonlyreplytothedirectinvestmentlossesintheUnitedStates,andmoreresponsetoU.S.financialcrisisledtotheAmericanandtheworldeconomicdepressiontoChinatheinfluenceoftherealeconomy.Althoughgenerallyspeaking,ourbanksecurityisgood,butthecrisisisinourcountrycommercialBanksdirectlyorindirectlytodifferentdegreeoflosssufferedorsecuritythreat.Therefore,thestudyonthefinancialcrisistheinfluenceofChina'sbankingindustry,andanalyzesthefinancialcrisistaught,furtherpreventioninChina'sbankingindustryrisk,tostrengtheninternalriskcontrol,positivefinancialinnovationhastheimportantpracticalsignificance.KEYWORDS：Financialcrisis;Banks;Subprimemortgagecrisis目录第一章绪论.........................................................51.1选题背景及意义.................................................51.1.1背景.......................................................51.1.2意义.......................................................51.2金融危机形成的原因.............................................51.2.1直接原因...................................................51.2.2深层次原因.................................................61.3国内外研究现状.................................................61.3.1国外研究现状...............................................61.3.2国内研究现状...............................................7第二章中国银行业的现状分析.........................................42.1中国银行业取得的成就...........................................42.2中国银行业存在的问题...........................................42.2.1盈利模式单一...............................................52.2.2风险管理不完善.............................................52.2.3人员素质不高、设施设备落后.................................6第三章金融危机对中国银行业的影响...................................43.1直接影响.......................................................43.1.1海外投资损失...............................................43.1.2不良资产增加...............................................43.1.3贷款风险增加...............................................43.2间接影响.......................................................53.2.1对银行资产负债...
