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论束缚现代经济发展的瓶颈之一以及相应的解决对策 内容摘要：金融是经营货币的特殊行业,高风险行业, 现代经济的核心金融的状况如何，深刻影响着全球经济的未来。由美国次贷危机引发的“百年一遇”国际金融危机其波及范围之广、影响程度之深、冲击强度之大，为上个世纪30年代以来所罕见。造成这场金融危机的原因是多方面的，本次危机的直接原因。金融监管层应在不同层面采取应对措施，建立有效的运行机制确保所有金融市场、产品参与者都受到相应监管或监督，防范金融风险对维护金融体系的稳定，促进金融业的健康运营，保证社会经济的有序、持续发展。? 关键词：金融危机；金融监管；风险防范　　Content summary: the financial industry is a special industry, is a high risk industry, is also a modern economy, stable and sustainable development of the core; the financial industry s, profound impact on the future of the global economy. From the u.s. subprime mortgage crisis improbable by the international financial crisis, not only on international financial order greatly impact and destroyed, while the international financial system and the accumulation of systemic risks to exposure, their scope of influence the extent and impact strength of, as the last century since the 1930s. Due to the financial crisis of reasons, including regulatory authorities for the implementation of the supervisory mechanism lacks effective means and methods, this is the direct cause of the crisis. Financial supervision layer, and management and decision makers should be adopted measures, the establishment of an effective mechanism to implement internal control into practice, make sure that all of the financial markets, product and financial derivatives and its participants are subject to appropriate regulation or supervision, guard against financial risks; to maintain the stability of the financial system, facilitating the financial industrys health operations, ensuring that the social economy and orderly, sustainable development resulted in a positive and effective. Key words: financial crisis; the risk of financial supervision 金融现代的核心由于金融活动的杠杆效应和金融风波的快速传递，金融风险已经成为影响国家安全的一个重要因素。目前人们接受风险定义是“损失发生的不确定性” 损失出现的机会或概率。因此,所谓金融风险，是指金融资本在经营与交易过程中预期收益的不确定性即投资人预期收益与实际收益的偏差就是金融机构在经营管理过程中,由于会计核算错误或会计信息提供失误而导致的决策失误,以及因为主客观条件恶化或其他情况,使金融机构的资金、财产、信誉等蒙受损失的可能性。经济　　建立整体联动机制，确保内部控制贯穿于业务和管理的全过程。风险贯穿于整个经营活动的全过程和各个阶段之中，涉及方方面面。