金融危机对我国商业银行的影响.doc

PAGE 金融危机对我国商业银行的影响 【摘要】 2008年由美国次贷危机引起的世界金融危机不仅给美国金融业带来巨大的损失，也给世界金融业带来巨大的冲击。金融危机下，全球经济持续出现衰退，当然我国的商业银行也受到了影响。在金融危机爆发后，我国商业银行在深受影响，影响的同时又有哪些启示和借鉴呢？本文通过分析次贷危机的形成的过程、形成的原因以及分析在危机中倒闭的商业银行的特点和我国商业银行长期存在的不足因素——两者之间的比较，并结合实际金融危机对我国商业银行的直接、间接影响，从而从中得到启示、并从多个角度提出了较为可行的解决之道。因此，本文对于启示商业银行在今后怎么防范各种金融危机、提高自己的风险防范能力。促进社会主义市场经济的安全、稳定发展具有积极的研究意义和现实意义。 【关键词】金融危机 商业银行 影响 对策 Financial Crisis Impact on Chinese Commercial Banks ［Abstract］2008 by the United States sub-loan crisis of the financial crisis in the world is like a huge tornado. Not only to the American financial industry has brought great loss, but also to the world the financial industry has brought the huge impact. Under the financial crisis, the global economic recession, of course, the commercial banks of our country are also affected. After the financial crisis broke out, Chinas commercial banks in the affected, the simultaneous effects of what enlightenment and draw lessons from? This article through the analysis of the subprime mortgage crisis, the formation process of formation reason and analysis in crisis in the collapse of the features of the commercial banks and the Commercial Bank of our country long-term shortage factors -- comparison between the two, and combined with the practice of financial crisis on Chinas commercial banks directly, indirectly, in order to get inspiration from which, and from multiple point of view put forward a feasible solution. Therefore, the commercial banks in the future implications of how to guard against all kinds of financial crisis, improve their ability of risk prevention. The socialist market economy to promote the safety, stability and development has a positive significance and the practical significance. [Key words] Financial Crisis Commercial Bank Influence Enlightenment 目录 TOC \o 1-3 \h \z \u 引言 1 一、 金融危机的概况 1 （一） 金融危机的概念 2 （二） 金融危机形成的原因 2 二、 我国商业银行的概况 3 （一） 我国商业银行发展现状 3 （二） 我国商业银行发展中出现的问题 4 三、 金融危机对我国商业银行的影响 5 （一） 金融危机对我国商业银行的间接