2008年美国次贷危机演变成了全球性的金融危机。昔日的华尔街投行神话彻底破灭,美国、欧洲、亚洲等的银行机构由于购买了美国次级贷款派生的金融衍生品面临亏损甚至是破产的风险。我们不禁感慨,风险管理制度、技术和经验较为成熟的美国金融监管部门及金融机构都没能 The subprime crisis in the United States in 2008 evolved into a global financial crisis. The myth of the former Wall Street investment bank was completely shattered. The banking institutions in the United States, Europe and Asia were at risk of losing money or even bankruptcy due to the financial derivatives derived from the purchase of U.S. subprime loans. We can not help but feel that neither the U.S. financial regulatory authorities nor the financial institutions that have more sophisticated risk management systems, technologies and experiences have failed