08年金融危机对中国的影响 08年经济危机对中国的影响？

08年金融危机对中国的影响如下：

1、出口下降，实体经济受损

我国对美出口的产品中，纺织品、鞋袜、低端生活用品等劳动密集型产品占有相当大的比重。而这些产品的主要消费群体是美国的中低收入阶层，他们在这次金融危机中遭受了很大的损失，这必将在很大程度上影响这些产品的对美出口。

同时，我国这些劳动密集型产品的出口主要依靠价格优势与其他发展中国家进行竞争，由于金融危机带来的美元疲软和人民币升值，使得中国企业的价格优势不再，出口进一步受到抑制。

2、中小企业倒闭，失业工人增多

受国际金融危机影响最大的是东南沿海地区的劳动密集型企业。这些企业破产倒闭主要是导致劳动力市场中低端劳动者失业，这些劳动者以农民工为主，但也有部分城市职工。

金融危机对于中小企业的影响非常大，而中小企业是解决中国就业的主力军。金融危机对于中国的影响才刚刚开始，如果得不到有效的控制，对整体就业形势所产生的消极作用将越来越明显。

3、股市起伏不定，股民利益受损

外围动荡是影响A股的主要因素，美国金融危机的深度与广度制约着包括A股在内全球股指的企稳。

扩展资料：

导致金融危机发生的直接触发因素如下：

（1）国际金融市场上游资的冲击。在全球范围内大约有7万亿美元的流动国际资本。国际炒家一旦发现在哪个国家或地区有利可图，马上会通过炒作冲击该国或地区的货币，以在短期内获取暴利。

（2）亚洲一些国家的外汇政策不当。它们为了吸引外资，一方面保持固定汇率，一方面又扩大金融自由化，给国际炒家提供了可乘之机。如泰国就在本国金融体系没有理顺之前，于1992年取消了对资本市场的管制，使短期资金的流动畅通无阻，为外国炒家炒作泰铢提供了条件。

（3）为了维持固定汇率制，这些国家长期动用外汇储备来弥补逆差，导致外债的增加。

（4）这些国家的外债结构不合理。在中期、短期债务较多的情况下，一旦外资流出超过外资流入，而本国的外汇储备又不足以弥补其不足，这个国家的货币贬值便是不可避免的了。

参考资料来源：人民网-挑战VS机遇：全球金融危机如何影响中国

参考资料来源：百度百科-金融危机

世界金融危机----中国金融危机影响
1: 金融危机发生的原因具有复杂性和多样性。从不同角度对金融危机生成原因和演绎路径的研究，对不同经济体、不同时期的金融危机具有一定的解释力。第一代货币危机理论强调实际经济因素导致危机出现的关键作用，而第二代货币危机理论更注重危机的随机性以及不确定性；基于金融中介的危机理论解释了银行业危机生发、演化的具体机理；金融市场全球化背景下的金融危机具有不容忽略的国际传递性。
2:中国金融危机影响:
(1)、直接影响。主要行业是银行等金融业。例如中国银行、建设银行、平安保险等机构，购买了很多美国的“债券”，由于美国银行倒闭，损失巨大......
(2)、进出口影响。由于美国（及其他国家）受金融风暴的影响，进口业务大幅缩减，使我国的出口行业受到很大的影响，甚至于倒闭。为此国家提出“扩大内需”的政策，是非常必要的。
(3)、从思想上，应该认真反思“超前消费”的做法。现在美国的国民已经有所认识了。我们更应该正确看待。

Financial crisis in the insurance intermediary
John cena
In the short term insurance intermediaries to survive more pressure from the insurance industry itself, financial intermediaries on the crisis in the industry have a direct impact is limited. These include a limited impact, originally planned in the near future listing of intermediaries may be extended indefinitely; global capital markets in the doldrums, so that the listing and other financing are more difficult to obtain venture capital and additional investment cost will be higher. □ Wang Jin By the time the U.S. loan crisis triggered by the financial tsunami from the United States has spread to the global financial crisis the industry has penetrated into the real economy and lead to a global economic recession. Many well-known economists believe that the crisis in the breadth, scope, and the degree of hazard than the 1920s crisis of the century occurred. In the face of this crisis, governments around the world have made a very timely response and have implemented a series of measures and policies to save. The positive impact of financial crisis The global insurance industry The crisis on the global insurance industry has an enormous negative impact. The world's largest insurance group American International Group (AIG) suffered a crisis of bankruptcy, and the U.S. government to enable it to rescue a huge linger. According to estimates, there are a number of insurance companies to invest in huge losses of mortar nests, within two years if the global capital market is not big improvement, the insurance companies will be very difficult to support the insurance payment. From the breadth and depth of the crisis point of view, the global economy and capital markets recovery may take longer. Pessimistic, over the next two years, on a global scale, or there will be more difficult and even insurance companies into bankruptcy. Insurance intermediary is not optimistic about the situation. Marsh (Marsh), Aon Corporation (Aon), Willis (Willis), and other institutions in the same period a profit decline, the stock fell. In the economic globalization, China's insurance industry could not escape the global financial crisis, the direct impact. China Ping An Group's overseas investment is almost tragically, the loss of their need to be able to make up for the operation of a number of years. The insurance industry is also part of the domestic investment significantly from last year's surplus into a floating Fukui. Insurance misfortunes never come singly, part of the investment loss, or part of the underwriting loss or gave birth to the potential risks. In 2008, the Insurance industry's underwriting losses almost certain, and life insurance company through various channels for a large number of sales even dangerous, such as universal insurance to investment-oriented insurance are no huge risks. If in the next few years can not have a certain amount of investment income, perhaps to a certain point in the future to cover the outbreak of the crisis may lead to further life insurance company bankrupt a domino effect. Professional insurance intermediary In the short term survival pressures Leaving the marketing and insurance agents and industry, professional insurance intermediary companies from the three main categories: insurance agents, insurance brokers and insurance adjuster. As we all know, in the insurance industry, professional intermediaries are very small and weak. Over the years, through insurance agents and insurance brokers for the realization of the total premium size of the premium has not been able to break 3% of the public insurance assessment companies in coastal areas to play a role in the development of the Midwest and Northeast are very difficult. From the figures, the professional insurance intermediary for the insurance industry contribution to the small, almost negligible. Professional insurance intermediary for the insurance industry with its limited contribution to the commitment of the insurance and related functions. Insurance is basically all-round organ, the actuarial, product development, product sales, a single, nuclear security, scheduled for loss, claims, investment and so on all the functions of its direct sales business difficult to achieve, agents and brokers to help their bodies to complete, the agent Brokers and agencies of its direct sales only added functions. Public service is also estimated insurance claims of the department added. In many cases, customers need a strong, or insurance claims department is difficult to operate, the public insurance assessment will be invited. It is clear that if the insurance company to maintain its "large" the functions of the professional insurance intermediary to the development of the space is very limited. In the short term, insurers will continue its "large" system. Strengthen the direct sales business is still in, for example, the Insurance companies are still greater efforts to promote direct telephone business, life insurance companies also continue to expand its marketing team. In the direct extrusion business, led by auto insurance agent to increase the pressure to survive, led by life insurance agents must be more life insurance salesmen in direct competition, the industry is still in the loss of state agents Companies, operating in the short term will be even more dismal. Insurance agents and brokers industry a little different, top 50 brokers in approximately 80% of all shareholders to support a strong background or context of foreign investment, these companies completely dominated the brokerage industry. Shareholders do not support the context of foreign investment and brokerage firm, do not have to face old colleagues, but also insurance companies and direct face-to-face competition advantage does not exist, to survive together, to mention development. In addition, the financial crisis in the insurance industry under the adverse investment policies to cover benefits the poor, in regard to insurance payment is likely too severe, which often affect the agency's service quality, easily lead to the loss of policy holders on the agency's confidence and trust. At the same time, insurance companies and their harsh on the commission paid by the inertia of the agency may have a negative impact. Parts of the insurance companies may even join forces, compression and the public commission estimated the cost ratio, which not only damage the interests of the intermediary industry, but also hindered the intermediary service innovation is not conducive to policy holders for the agency to provide better, more comprehensive insurance Services. As a result, within a short period of survival intermediaries more pressure from the insurance industry itself, financial intermediaries on the crisis in the industry have a direct impact is limited. These limited the impact of the original plan in the near future, including the listing of intermediaries may be extended indefinitely; global capital markets in the doldrums, so that the listing and other financing are more difficult to obtain venture capital and additional investment cost will be higher. Bigger and stronger insurance industry Can not do without intermediaries All walks of life can not be separated from the development of intermediary institutions. The emergence of various types of intermediaries and prosperity of the market to lower transaction costs and improve market efficiency, greatly promoted the development of all walks of life and global competitiveness.
The insurance industry in developed countries, insurance companies will not only become bigger, stronger, the agency also very strong, very well-developed. The development of intermediary institutions need specialization in accordance with the insurance company's request to reduce operating costs and improve operational efficiency as the goal, some of the functions of a transfer. "Large" is based on cost-efficiency and low cost, to break the "large" system, insurance companies will be able to radically reduce operating costs, out of the underwriting loss for the difficulties emerging from the shadow of financial crisis and enhance core competitiveness, Will be able to show in the international arena plan. Although the domestic professional intermediaries is also very weak, but is fully capable to assume certain functions of the insurance sector. Shenzhen's insurance sector to pioneer the first transfer of vehicle accidents Gusun functions to the people too, led by an assessment of the public sector to grow rapidly in the near future. Practice has proved that the domestic and foreign insurance companies to shift some of its non-core functions of the first to benefit from the insurance companies, policyholders can get better service, an intermediary to get the healthy development of the industry; intermediary and the healthy development of the industry, in turn, further reduce the insurance companies The cost of outsourcing services for the insured to provide a better service. And other industries, the insurance industry specialization is the trend of the times, but also insurance companies to lower operating costs, increase efficiency in the one and only way. If the insurance companies to gradually transfer the sales, a single, Gu Sun, claims, risk management, customers and even some of the functions such as actuarial, to maintain its core competence, more professional intermediaries, such as generation, a single company, estimated the public, Set loss, detection, security management, actuarial, and other companies will soon emerge and development of the insurance industry, the principal will have a stronger competitive edge, industry-wide decline in operating costs, improve service levels, the whole society on the insurance industry Greater confidence and trust. Prudential case, the insurance industry not only bigger, stronger, but also will become the envy of everyone's career high.

金融危机对中国的影响，早在2005和2006年，人民币升值、原材料上涨，珠江三角洲、长江三角洲中小企业，很多是没有科技实力，像服装、鞋帽、五金、玩具，这些恐怕有上万家企业都撤资了，像东莞，都转到了广西省那里去了，那是一个新的经济区。这样要想中小企业有个大发展，目前难度比较大，因为冰冻三尺非一日之寒，中小企业之所以有这些状况，是因为原材料上涨导致成本上升，人民币升值导致出口价格优势变小，同时国家采取信贷紧缩政策导致的。

08年金融危机导致了一些人面临失业，出现了许多返乡农民工，大学生也很难找到适合的工作。不过，在我国政府的领导下，金融危机对中国没有造成很大的影响！

2008年金融危机对中国有何影响~

一、美国金融危机对我国的负面影响主要表现在以下方面
(一)中国经济对外依存度非常高
欧美金融危机现在到了哪一步？ 究竟何时结束？ 对实体经济会产生哪些影响？ 许多不确定性因素的加剧将使中国建设面临比1998 年东亚金融危机更为严峻的外部环境。其中最主要的是涉及到我国对欧美出口的大幅锐减， 过去依靠出口与投资拉动经济增长的模式很可能出现为仅能依靠投资来驱动。前几年因速投资所形成的产能过剩会加剧，主要工业品供过于求的态势会加深，2008 年通货膨胀的现象会趋缓，转至2009 年极有可能成为通货紧缩，从而更加剧宏观调控的难度。
(二)中国的美元资产投资暴露于风险之中
截至2008 年7 月，达到1.9 万亿美元，是越南以后的124 个国家GDP 的总和。而我国持有美国国债和“两房”相关债券在1.2 万亿元左右，美国这次金融危机引起的全球性金融危机和经济危机，对中国大陆带来的直接后果是财富急剧缩水。
(三)国际外部环境的恶化增加了我国转换经济增长模式的难度
长期以来我国经济增长主要依靠出口与投资的拉动， 靠内需拉动则是“软肋”。虽然2008 年我国居民消费势头强劲，但维持消费增长的源动力在于居民的可支配收入持续增加。目前股市、楼市低迷，居民财产性收入普遍缩水，就业压力增大，人们可预期收入难以持续增加的大背景下，实现我国经济增长模式向依靠内需拉动面临着种种困难。
(四)可能会对中国的金融市场与房地产市场产生影响
虽然美国次贷危机对中国金融体系冲击不大，但美国房地产市场大幅动荡与金融危机可能会对中国的金融市场与房地产市场产生恐慌心理，尤其值得警惕的是我国房地产业大幅调整将成为中国经济最大的不稳定因素。原因在于：房地产是我国经济的支柱产业，目前高昂的房价让普通购房者望而却步，有需要没需求，致使房市低迷，房地产开发商面临前所未有的资金压力。如果房地产泡沫不尽快稳妥地挤掉，购房者观望心态不消除，导致房市长期低迷，无疑银行呆账、坏账等不良资产会急剧上升，水泥建材、钢材及装饰材料等相关行业会受到极大冲击，更让地方政府的“土地财政”收入急剧萎缩。
二、2008年金融危机对我国经济发展的积极影响
金融危机不是短时间内就能够解决的问题，在这种情况下，我国外贸可能会经历一个长时间的低谷期。这让我们有必要进一步审视我国原来实施的经济政策，即通过降低对外贸企业的征税而降低其出口商品在国外市场的价格，从而提升外贸商品在国际市场的竞争力的政策是否长效。同时，这迫使我国的经济决策者进一步思考我国的经济政策问题，进而可能引发一系列经济政策改革，譬如对出口依赖的贸易政策进行改革，提升国民收入刺激国内消费，加大投资等，这就是本文将要分析的金融危机给我们带来的积极影响。
（一）推动出口依赖贸易政策的转型
从改革开放到08年金融危机爆发之前，我国对外贸企业采取的政策是通过减少对这些企业的征税而降低其商品在国外市场的价格，从而提升外贸商品在国际市场的竞争力。相关政策不仅是为了通过商品外销带动经济的发展，也是为了通过商品占领国外市场而提升我国的经济地位。但是事实上我国已经连续15年成全球遭受反倾销调查最多的国家，从2004年到2009年我国共遭受双反调查37起 。2009年前三个季度，共有19个国家和地区对于中国产品发起了88起贸易救济的
调查，包括57起的反倾销、9起的反补贴，总金额大概有102亿美元的规模 。这些数据显示，我国外贸商品在国外市场遭受了很多排斥，对外贸易并没有取得政府预期的效果，积极鼓励出口的经济政策成效有限。由于金融危机使我国的贸易合作国均受到了一定程度的影响，特别是国外市场大范围的抵制已经使我们失去了商品出口的依赖。因此，严峻的经济形势必然促进新经济政策的出台，从而循序渐进地转变我国长期以来的出口依赖型贸易政策，建立更加科学、更加牢固、更加有效的新的外贸格局。
（二）促进刺激国内消费需求的经济政策的出台
国内市场的消费热度不高一直是国内市场无法成为经济主要带动体的最重要原因。事实上，我国是世界人口最多的国家，国内市场才是最大的一个消费市场，在无法依赖国外消费市场促进经济发展的情形下，开发国内消费市场必定是一个最快的将我国从金融危机中解救出来的办法。在金融危机下政府必将采取一系列的宏观调控政策。如提高出口商品的税收并将此部分税收用于对国民的收入补贴上。这样做既提高了国民生活水平又带动了经济的发展。通过新政策的出台，成功的实现消费依赖主体的转变将使我国建立新的良性循环的经济模式。
（三）促进政府加大投资并优化投资结构
2008年金融危机爆发后，我国政府应对金融危机采取了一系列加大投资的政策、措施，其中包括十大产业规划的出台、主要面向基建领域的4万亿投资，等等。同时我们看到各级政府也积极响应中央政策，分别根据各省的情况进行了相应的投资政策的调整。
（四）有利于推动可持续发展的经济政策出台
“中国制造”曾经使我们引以为傲，但制造业中 “两高一低”的普遍存在使我国的环境破坏十分严重。近几年，我国的环境破坏十分严重。据统计，我国是世界上环境污染物排放量最大的国家之一，全国污染物的年排放量达4300余万吨，（其中烟尘约2800万吨，二氧化硫约1460万吨）；1988年全国废水排放总量为368亿吨，其中工业废水排放量为268亿吨，处理率仅为27%，自然生态环境的破坏也相当严重。目前，我国水土流失面积已由解放初期的116万平方公里扩大
到150万平方公里。环境污染和破坏给我国所造成的经济损失是极其惊人的。现在就让我们来看这样一组数据：据80年代初的不完全统计，环境污染每年造成的经济损失是690亿元，部分自然生态环境的破坏每年造成的经济损失达265亿元共计955亿元，约占当年全国工农业总产值的14%左右 。这些数据可见我国经济发展中的环境污染问题已经迫在眉睫。而通过经济政策的转变，将造成这些污染的重型污染企业数量减少，则可以减少废弃物的排放，加快限制“两高一低”产业政
策的出台，推动低碳经济、循环经济、绿色经济的发展，促进我国经济社会更加健康地发展。

来源:美国金融危机对中国的影响及其对策
2008年金融危机对我国经济发展的积极影响分析

2008年经济危机，对中国有什么影响？看完为祖国点赞

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