九十年代以来，影响较大的金融危机爆发了三次：一次是1992年西欧货币危机；一次是1994年底墨西哥金融危机；最近一次是1997年7月开始的东南亚金融危机。有鉴于此，许多学者对金融风险和金融危机投入了更多的关注与思考。本文所考察的金融风险是指整个金融体系所面临的风险，是 Three major financial crises have erupted three times since the 1990s: one was the 1992 Western Europe currency crisis; the other was the Mexican financial crisis at the end of 1994; the most recent was the Southeast Asian financial crisis that began in July 1997. In view of this, many scholars have devoted more attention and thinking to the financial risks and the financial crisis. The financial risks examined in this article refer to the risks that the entire financial system is facing