浅谈金融危机(外文翻译).rar
浅谈金融危机(外文翻译),包含中文翻译和英文原文，内容详细完整，建议下载参考！中文： 4300字英文： 14000字符在过去一年半的时间里，全球金融系统承受着巨大的压力，这种压力目前正在全球经济体系内广泛蔓延。这场危机的主要原因是美国楼市出现了拐点，导致了次级贷款的违约率上升，从而使许多金融机构蒙受了巨额损失，也动摇了信...
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浅谈金融危机(外文翻译)
包含中文翻译和英文原文，内容详细完整，建议下载参考！
中文： 4300字
英文： 14000字符
在过去一年半的时间里，全球金融系统承受着巨大的压力，这种压力目前正在全球经济体系内广泛蔓延。这场危机的主要原因是美国楼市出现了拐点，导致了次级贷款的违约率上升，从而使许多金融机构蒙受了巨额损失，也动摇了信贷市场投资者的信心。然而，虽然次贷危机是本次金融危机的导火索，但是美国抵押贷款市场只是繁荣的全球信贷市场的一部分，信贷市场的扩张已经远远超越了抵押贷款的范畴，涉及到其它各种形式的信贷，它们包括承销标准的普遍下降、投资者和评级机构对贷款监管的缺失、市场对复杂且不透明的信贷工具的过度依赖（事实证明这些工具在压力下是极为脆弱的）以及对承受风险给予过低的回报。
一、金融危机是什么？
金融危机又称金融风暴，是指一个国家或几个国家与地区的全部或大部分金融指标(如：短期利率、货币资产、证券、房地产、土地(价格)、商业破产数和金融机构倒闭数)的急剧、短暂和超周期的恶化。金融危机可以分为货币危机、债务危机、银行危机等类型。此次的金融危机是系统性金融危机，次贷也只是美国这棵金融大树上的一个分枝，它的断裂没有得到及时处理，导致整棵大树几乎全面倒塌，整棵大树的倒塌又导致全球性的金融灾难。
二、金融危机的根源？
雷曼兄弟申请破产保护、美林“委身”美银、AIG告急等一系列突如其来的“变故”使得世界各国都为美国金融危机而震惊。加上之前垮下的贝尔斯登，曾经的华尔街五大投行已经去之有三。华尔街对金融衍生产品的“滥用”及美国的货币政策终于导致了这次金融危机的爆发。更为糟糕的是这场源自美国的金融危机正在向实体经济蔓延，而且极有可能演变成全球性的经济危机 ......
For almost a year and a half the global financial system has been under extraordinary stress--stress that has now decisively spilled over to the global economy more broadly. The proximate cause of the crisis was the turn of the housing cycle in the United States and the associated rise in delinquencies on subprime mortgages, which imposed substantial losses on many financial institutions and shook investor confidence in credit markets. However, although the subprime debacle triggered the crisis, the developments in the U.S. mortgage market were only one aspect of a much larger and more encompassing credit boom whose impact transcended the mortgage market to affect many other forms of credit. Aspects of this broader credit boom included widespread declines in underwriting standards, breakdowns in lending oversight by investors and rating agencies, increased reliance on complex and opaque credit instruments that proved fragile under stress, and unusually low compensation for risk-taking.
※First, what is the financial crisis
Financial crisis, also known as the financial turmoil, means a country or several countries and regions all or most of the financial indicators (such as: short-term interest rates, monetary assets, securities, real estate, land (prices), the number of commercial bankruptcy and financial institutions closed down number) of a sharp, short and ultra-cycle deterioration. Financial crisis can be divided into currency crises, debt crises, banking crises, such as the type. The financial crisis is ......
包含中文翻译和英文原文，内容详细完整，建议下载参考！
中文： 4300字
英文： 14000字符
在过去一年半的时间里，全球金融系统承受着巨大的压力，这种压力目前正在全球经济体系内广泛蔓延。这场危机的主要原因是美国楼市出现了拐点，导致了次级贷款的违约率上升，从而使许多金融机构蒙受了巨额损失，也动摇了信贷市场投资者的信心。然而，虽然次贷危机是本次金融危机的导火索，但是美国抵押贷款市场只是繁荣的全球信贷市场的一部分，信贷市场的扩张已经远远超越了抵押贷款的范畴，涉及到其它各种形式的信贷，它们包括承销标准的普遍下降、投资者和评级机构对贷款监管的缺失、市场对复杂且不透明的信贷工具的过度依赖（事实证明这些工具在压力下是极为脆弱的）以及对承受风险给予过低的回报。
一、金融危机是什么？
金融危机又称金融风暴，是指一个国家或几个国家与地区的全部或大部分金融指标(如：短期利率、货币资产、证券、房地产、土地(价格)、商业破产数和金融机构倒闭数)的急剧、短暂和超周期的恶化。金融危机可以分为货币危机、债务危机、银行危机等类型。此次的金融危机是系统性金融危机，次贷也只是美国这棵金融大树上的一个分枝，它的断裂没有得到及时处理，导致整棵大树几乎全面倒塌，整棵大树的倒塌又导致全球性的金融灾难。
二、金融危机的根源？
雷曼兄弟申请破产保护、美林“委身”美银、AIG告急等一系列突如其来的“变故”使得世界各国都为美国金融危机而震惊。加上之前垮下的贝尔斯登，曾经的华尔街五大投行已经去之有三。华尔街对金融衍生产品的“滥用”及美国的货币政策终于导致了这次金融危机的爆发。更为糟糕的是这场源自美国的金融危机正在向实体经济蔓延，而且极有可能演变成全球性的经济危机 ......
For almost a year and a half the global financial system has been under extraordinary stress--stress that has now decisively spilled over to the global economy more broadly. The proximate cause of the crisis was the turn of the housing cycle in the United States and the associated rise in delinquencies on subprime mortgages, which imposed substantial losses on many financial institutions and shook investor confidence in credit markets. However, although the subprime debacle triggered the crisis, the developments in the U.S. mortgage market were only one aspect of a much larger and more encompassing credit boom whose impact transcended the mortgage market to affect many other forms of credit. Aspects of this broader credit boom included widespread declines in underwriting standards, breakdowns in lending oversight by investors and rating agencies, increased reliance on complex and opaque credit instruments that proved fragile under stress, and unusually low compensation for risk-taking.
※First, what is the financial crisis
Financial crisis, also known as the financial turmoil, means a country or several countries and regions all or most of the financial indicators (such as: short-term interest rates, monetary assets, securities, real estate, land (prices), the number of commercial bankruptcy and financial institutions closed down number) of a sharp, short and ultra-cycle deterioration. Financial crisis can be divided into currency crises, debt crises, banking crises, such as the type. The financial crisis is ......
