摘要：继2007-2009年全球化次贷危机爆发后，金融世界已经变得更加复杂和困难。传统的方法、工具和政策以评估金融机构的资金和时间价值、控制和管理银行体系的金融风险，缺乏有效性并存在漏洞。英国的银行业在多米诺骨牌效应的影响下，受到较大冲击，现状至今不容乐观。因此，有效的风险管理，如以控制系统性风险为主导，同时改善金融机构杠杆化现象、强化风险监管、执行有效的政治决策等，可以使银行体系的风险得到优化，而这比以往任何时候都更加重要。通过从次贷危机前后英国，中国在管理系统性风险方面的变化，对中国银行业的未来发展提出可行性建议。
关键词：次贷危机 风险管理 系统性风险 风险优化
Abstract: Following the 2007-2009 subprime crisis, approaches to modelling economic meltdowns are needed to prevent this reoccurring. The paper will attempt to reveal that traditional methods, tools and policies of financial risk management are lacking in effectiveness and only by adopting a combination of the approach to systemic risk management, de-leveraging of the financial institutions and efficient political action can risk in the British banking system be effectively optimised. By comparing the British banking system before the recession and in the present, changes in the Chinese systemic risk management have also been progressed.
Key words: subprime crisis risk management systemic risk risk optimisation
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