次贷危机金融业3000字英文文献翻印带中英求好心大大帮忙很着急

美国次贷危机在全世界都产生了影响，不动了金融市场，而且影响了实体经济。本文对美国次贷危机的成因进行了深入探究。成因主要包括四大方面：第一，美国中产阶级的超前消费方式埋下了危机的种子；第二，美国银行和金融机构的违规操作成为危机的祸根；第三，美联储的宽松的货币政策是危机的催化剂；第四，对金融机构放松监管是导致危机的重要因素。通过对美国次贷危机成因的探讨，了解了金融危机发生的机理，丰富了对金融危机的认识，从而引出了次贷危机对我国经济发展的警示：首先，我们应该居安思危，增强防范意识；其次，对我国房贷市场敲响警钟；再次加强对银行和金融业的监管；最后，对于美国振兴经济措施中的经验进行学习借鉴以及对我国经济发展的启示。2007年夏季，美国次贷危机发生以来，已经引发了全球性金融风波，对世界经济运行造成重大负面影响。世界经济形势发生的重大变化，已经对**铝行业的发展产生重大影响。**是目前世界上最大的铝生产和消费国，市场铝价格的暴跌，不仅对**铝行业的生产经营造成重要影响，也将影响到相关产业，进而在一定程度上对整个国民经济运行产生影响。从目前形势分析，**的铝行业是受次贷危机影响最大的领域，生产经营已经陷入困境，处于全行业亏损状态。 本文分析了次贷危机对我国铝行业的影响，并以**铝业山东分公司阳泉矿为例通过对财务分析的主要内容、特点及方法的分析，对其整体财务状况和经营成果做出了评价，提出了在次贷危机下改进企业财务分析的建议，进而提高企业的竞争力。 全文共有五个部分：第一部分简要论述了本文的研究背景、选题的意义、国内研究现状以及本文的研究内容及方法；第二部分是我国铝行业发展现状的阐述，并且通过对宏观政策、供给需求的分析我国铝行业的影响因素；第三部分是在前两部分研究的基础上主要阐述了次贷危机对铝行业的传导及影响分析；第四部分在结合真实财务数据的基础上，分析阳泉矿在次贷危机中财务的优势及存在的问题，对整体财务状况和经营成果做出了评价。并且实地研究分析结合**铝业山东分公司阳泉矿在次贷危机下的财务计划，分析次贷危机对**铝业山东分公司阳泉矿的影响；第五部分在综合考虑了次贷危机的影响和企业的实际情况的基础上，提出了**铝业山东分公司阳泉矿在次贷危机下的改进措施。商业银行危机是对银行价值或目标造成的一种威胁和危害，不仅威胁带商业银行基本目标的实现，而且会造成商业银行组织体系紊乱，给商业银行带来经济、财产上的巨大损失。进一步地,由于商业银行危机具有巨大的传递效应,尤其是在当今信息传播渠道多元化、速度高速化的情形下,商业银行一旦发生危机会迅速公开,会引起公众恐慌和社会动荡。2007年2月，美国第二大次贷机构新世纪金融（new century financial corporation）宣布2006年第四季度业绩将出现亏损，美国次贷危机浮出水面。在随后的一年多时间里，次贷风险全面暴露，住房抵押贷款公司濒临破产，对冲基金被迫清盘，投资银行宣布亏损，商业银行和保险机构也遭受了重大损失，全球股市应声下跌，次贷引发的信用风险最终演变成一场全球性金融危机。探究本轮次贷危机的成因可以使我们从危机中吸取教训，在我国积极发展金融市场的同时，理性而审慎的对待发展过程中积累的风险，加强风险防范意识，提高风险管理能力，以保证我国金融市场的稳定健康发展。文章对美国次贷危机进行定性分析，首先论述次贷危机是美国**监管缺失和银行内控机制的缺陷的共同作用的结果，然后结合我国银行业存在的问题，最后提出加强我国商业银行危机管理机制的一些对策性建议。the united states sub-loan cr**** all over the world h**e had an impact, not only the financial market d**t**ce, but also affected the real economy. in th** **, sub-loan cr**** in the united states causes an in-depth inquiry. the main causes include the four major areas: first, the united states ahead of the middle class consumption patterns planted the seeds of the cr****; secondly, the united states banks and financial institutions operating irregularities become the bane of the cr****; third, the fed's accommodative monetary policy are a catalyst for the cr****; fourth, deregulation of financial institutions are important factors that led to the cr****. through the united states sub-loan cr**** of the causes, understanding the mechan**m of financial cr****, has enriched the understanding of the financial cr****, which leads to the sub-loan cr**** on our country's economic development alert: first of all, we should be vigilant in peace time, and enhance prevention awareness; followed by on the mortgage market our country to sound the alarm; once again to strengthen the banking and financial industry regulation; finally, for measures to revive the economy in the united states experience and learn from our country's economic development enlightenment. the summer of 2007, the u.s. sub-loan cr**** has been triggered the global financial turmoil on the world economy h**e a significant negative impact on operation. the world economic situation the major changes has been on china's aluminum industry h**e a significant impact. china ** now the world's largest producer and consumer of aluminum, the market's sharp fall in aluminum prices, not only for the aluminum industry in china resulted in an important impact on production and operation, will also affect the related industries, and to some extent, the entire operation of the national economy h**e an impact . from the analys** of the current situation, china's aluminum industry ** affected by sub-loan cr**** in the area of greatest impact, production and management has been in trouble, losing money in the entire industry. th** ** analyzes the sub-loan cr**** on the impact of china's aluminum industry, and the shandong branch of china's aluminum yangquan mine as an example of the main elements of financial analys**, character**tics and methods of analys**, its overall financial position and operating results made evaluation of proposed sub-loan cr**** in corporate financial analys** to improve the recommendations, thereby increasing the competitiveness of enterpr**es. the full text of a total of five parts: the first part of th** article briefly d**cusses the research background, the significance of choice, the domestic research, as well as the content of th** article and method of study; the second part of the development of china's aluminum industry of the status quo, and by macroeconomic policy, demand supply analys** of china's aluminum industry factors; the third part ** the first of two parts on the bas** of the principal on the loan cr**** of the times of the conduction of the aluminum industry and impact analys**; fourth part of the combination of real financial data on the bas** of analys** of yangquan coal mine in the sub-loan cr**** in the financial advantages and problems of the overall financial position and operating results of the evaluation made. field research and analys** branch of shandong aluminum industry in china yangquan mine in the sub-loan cr**** of the financial plans, analys** of sub-loan cr**** chalco shandong branch of the impact of yangquan mine; the fifth part of the meeting taking into account the impact of credit cr**** and enterpr**es based on the actual situation, the shandong branch of china's aluminum ore yangquan in the sub-loan cr**** of the improvement measures. commercial banks on the banking cr**** was caused by goal value or a threat and danger, not only a threat to commercial banks with the basic objective of the implementation, but will also cause commercial banking organization system d**orders, give commercial banks the economy, on the great loss of property. furthermore, the commercial banking cr**** because of huge transm**sion has effect, in particular the d**semination of **rmation in today's diversified, the speed of high-speed cases, the commercial bank cr**** will happen quickly once open, will cause public panic and social unrest. in february 2007, the united states's second-largest credit institutions at new century financial (new century financial corporation) announced fourth quarter 2006 results will be a loss, the united states sub-loan cr**** surfaced. more than a year in subsequent years, the r**k of overall loan exposure times, mortgage companies the verge of bankruptcy, forced liquidation of hedge funds, investment banks, announced losses of commercial banks and insurance agencies h**e also suffered he**y losses, global stock markets drop, sub - loan-induced credit r**k eventually evolved into a global financial cr****. the current round of meetings to explore the causes of credit cr**** can make us draw a lesson from the cr**** in our country to actively develop the financial markets at the same time, rational and prudent approach to development process of the accumulation of r**k, strengthen r**k prevention awareness, improve r**k management capabilities to ensure that china's financial market stability and healthy development. sub-article of the united states to carry out a qualitative analys** of the cr****, the first sub-loan cr**** on the united states are lack of ** superv**ion and deficiencies in internal control mechan**m, the banks of the combined effect of the results, then combining the ex**ting problems of china's banking industry, the last of china's commercial banks to strengthen r**k management mechan**m for some of the proposed countermeasures. 20210311