摘要：美国在经历20世纪30年代经济大萧条以后，一直以平稳向上的经济发展姿态示人，并最终以超级经济大国称霸全球。直到2007年8月，次贷危机的突然爆发，彻底打破了美国经济欣欣向荣的表面假象。美国的一些贷款机构、投资银行纷纷倒闭，而次级按揭购房者，各种退休、教育和保险等公共基金，以及外国金融投资机构也蒙受了巨大的经济损失；继而由于经济全球化的影响，全世界都面临着自20世纪30年代大萧条以来最严重的金融危机，许多国家的经济更因此而受到重创。直到现在，仍有一部分国家处于这场次贷危机所引发的金融海啸的余波之中。“他山之石，可以攻玉”本文就此次次贷危机，分析其成因及影响，探索其中对我国银行业风管体系的一系列启示，再结合我国银行业在风险管理体系中的优势与弱势，对我国银行业未来的发展提出建议。

关键词：次贷危机 风险管理 启示

Abstract: The subprime crisis has swept through global economies and financial systems like a devastating earthquake(a credit quake, as it is sometimes called in Europe) or tsunami(financial tsunami, as it is commonly known in Asian). No one is spared. There is only a difference in the magnitude of the impact being felt in different regions. There have been many analyses on the subject since the crisis broke in late 2007. However, they have insufficiencies that this essay seeks to fill, including, most crucially, a lack of integrated analysis on the subprime crisis from the Chinese perspective, misunderstanding about the Chinese aspects of the subprime crisis, erroneous views on the nature of the crisis.There are many lessons that can be drawn from the subprime crisis, but they have not been systematically addressed, perhaps because everyone has been busy ‘fighting the fire’. There are also significant implication fronts in the post-crisis era. China certainly has a lot to learn.　

Key word:  subprime crisis  risk management inspiration