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
Since September 2008, the us financial storm swept across the world, the world’s top investment bank then some crumble, eastern Europe, South American countries even on the verge of bankruptcy, the countries of the financial system and the banking industry is facing a huge security threats and challenges. The financial crisis in the United States to a deeper level and global evolution to the background, countries entity economy development is drag, leading to the global recession. By the influence of the financial crisis, the Chinese economy is also faces unprecedented trial, we should not only reply to the direct investment losses in the United States, and more response to U.S. financial crisis led to the American and the world economic depression to China the influence of the real economy. Although generally speaking, our bank security is good, but the crisis is in our country commercial Banks directly or indirectly to different degree of loss suffered or security threat. Therefore, the study on the financial crisis the influence of China’s banking industry, and analyzes the financial crisis taught, further prevention in China’s banking industry risk, to strengthen internal risk control, positive financial innovation has the important practical significance.
KEY WORDS：Financial crisis; Banks; Subprime mortgage crisis
1.2金融危机形成的原因…………………………………….. 5
2.2.2风险管理不完善…………………………………….. 5
2.2.3人员素质不高、设施设备落后………………………….. 6
3.2.1对银行资产负债的约束力加强………………………….. 5
3.2.2政策调整影响银行利润……………………………….. 5
3.2.3金融监管加强产生限制效应……………………………. 5
4.1坚持审慎经营的原则、加强产权制度改革…………………….. 4
4.1.1坚持审慎经营的原则…………………………………. 5
4.1.3加强对银行业监管力度……………………………….. 5
4.1.4加强和改进风险管理能力……………………………… 6
4.1.5进一步强化和完善金融监管体制………………………… 7
4.1.6引入高端人才和管理体系……………………………… 7
