基于次贷危机的金融道德风险探讨

本文以美国次贷危机为背景,通过分析危机中金融参与者各方的道德风险问题,得到金融体系的演进无法消除道德风险、监管部门要加强对道德风险的防范、完善制度是控制金融机构道德风险的关键、金融道德教育是消除金融从业人员道德风险的根本、建立新的国际货币体系是防范国家道德风险的必然要求等结论.

Research on Financial Moral Hazard Based on the Subprime Crisis

This paper analyzes the moral hazard of all participants in financial markets on the background of subprime crisis.The conclusions are as follows:the evolution of the financial system can not eliminate the moral hazard;regulatory authorities should strengthen the prevention of the moral hazard;improvement of system in financial institutions is the key to the moral hazard;the moral education is the fundamental to eliminate the risk of moral hazard of financial professionals;the establishment of a new interna...