一、问题的提出近年来,金融风险已成为全球范围内关注的焦点。金融安全危及到社会稳定和国家安全,已成为世界各国政府的共识。防范和化解金融风险,是在全球经济一体化条件下国际国内金融领域的一项重要而深远的课题。金融风险产生的原因是错综复杂的,既有国际经济环境的影响,又 First, the issue raised In recent years, financial risks have become the focus of attention around the world. Financial security has endangered social stability and national security and has become the consensus of all the governments in the world. Preventing and resolving financial risks is an important and far-reaching issue in the international and domestic financial fields under the conditions of global economic integration. The reasons for the financial risks are complex, both the impact of the international economic environment, and