金融危机的原因可以归纳为:虚拟的有支付能力的需求是引发金融危机的原因;资本主义生产方式的基本矛盾是金融危机的根源;新自由主义是金融危机的助推器。对市场经济体系进行必要的监督管制,是在资本主义制度范围内避免市场经济“不断产生巨大的紊乱”基本保证,是在资本主义制度范围内适应生产社会化程度不断提高所做的生产关系的必要调整,是社会向更高级阶段演进的结果。关于此次金融危机的原因已经有很多研究,概括起来主要有以下几种观点:一是人性的贪欲;二是政府政策干预失误和监管失控;三是新自由主义泛滥,盲目崇拜市场经济调控的有效性;四是实体经济存在问题;五是金融体系和金融创新出了问题;六是美国主宰下的经济全球化的恶果;七是资本主义基本矛盾。本文运用马克思主义政治经济学理论对2008年爆发的国际金融危机进行剖析,认为引发金融危机的原因是多方面、分层次的。 The reasons for the financial crisis can be summed up as follows: the demand for virtual affordability is the cause of the financial crisis; the fundamental contradiction of the capitalist mode of production is the root cause of the financial crisis; neoliberalism is the financial crisis booster. The necessary supervision and control of the market economy system is the basic guarantee of avoiding a market economy within the framework of capitalism and “continuously creating a huge disorder.” It is a measure of production that meets the ever-increasing level of socialization of production within the framework of capitalism The necessary adjustment of relations is the result of the evolution of society to a higher stage. The reasons for the financial crisis have been a lot of research, summed up the following views: First, the greed of human nature; Second, government policy failures and regulatory oversight mistakes; Third, the proliferation of neo-liberalism, blind worship of the market economy regulation Fourth, there are problems in the real economy; Fifth, problems in the financial system and financial innovation; Sixth, the consequences of economic globalization under the domination of the United States; and the seventh is the basic contradiction of capitalism. This article uses the theory of Marxist political economy to analyze the international financial crisis that broke out in 2008, and believes that the causes of the financial crisis are many and different levels.