【作者】 王强；

【导师】 陈永新；

【作者基本信息】 四川大学 ， 国民经济学， 2006， 硕士

【摘要】 金融是现代市场经济的核心和动脉。金融体系的稳健、有序、有效、可持续运行，是一国经济安全、国家安全的重要保证。与此同时，金融又充满了各种风险，这些风险所具有的巨大破坏力是直接威胁一国或者一个地区金融安全的重要因素。金融是一把双刃剑，经济的发展不能没有金融，但是蕴涵于金融中的风险同样也会给经济带来巨大冲击，特别是20世纪90年代以来，世界各地纷纷发生各种形式的金融危机，比如南美债务支付危机、日本金融危机、东南亚金融危机、韩国金融危机等。在当前开放条件下，对我国系统性金融风险的形成因素进行研究和对我国当前的系统性金融风险现实状况进行深入分析，这对于促进我国经济和金融的稳定快速健康的发展具有十分重要的意义。 论文主要由系统性金融风险的成因理论研究、系统性金融风险和金融危机的历史考察和比较、我国当前系统性金融风险的现状分析和对策三部分组成。 系统性金融风险成因理论研究部分，首先，从金融风险的概念和分类切入，引入系统性金融风险的概念，并将其与非系统性金融风险进行了对比分析。其次，对现存的系统性金融风险成因理论进行总结，并绘制了一个成因理论系统图，按照这一成因理论系统图的思路，对这些影响到金融危机发生的各个因素进行分析。 金融危机的历史考察和比较部分，首先，分别从日本和东南亚金融危机发生的背景、过程和原因进行的分析，对这两次金融危机的深刻进行把握，因为日本和东南亚诸国同属于东亚地区，在文化、习俗等各个方面有许多相似之处，且日本和东南亚诸国危机发生前某些“病症”与中国当前的情形有一定的相似之处。其次，对两次危机进行了比较，得出两者的相同点和不同点。更多还原

【Abstract】 Finance is usually regarded as the core and artery of modern market economy. The firmness, orderliness, effectiveness and sustainable functioning of the financial system stand vital to guarantee both the national economic security and national security. In the mean time, financial risks pervade everywhere, and the destructiveness of these risks becomes one of the important factors that menace the national or regional financial security. Therefore, finance is a double-edged sword, which is indispensable for the development of economy, and the potential risks rising from which simultaneously bring intense impact upon the economy. Since 1990s, financial crises in various forms have emerged all over the world, such as payment crises about debt in South-America, financial crises in Japan, South-Asia and Korea. Presently, over the open environment in China, an in-depth analysis on the contributing factors and actual situation of the systemic financial risks grows increasingly important to promote the steady, quick and healthy development of economy and finance in our country.This thesis consists mainly of three parts: a theoretical research on the formation of systemic financial risks; a survey and comparison on systemic financial risks and history of financial crisis; analysis and suggestions on China’s present systemic financial risks.For the first part, it begins with the concept and classification of financial risks, and goes step further introducing the concept of systemic financial risks by更多还原