银行体系创造并持有过多风险产品是本次金融危机产生的重要根源，而长期宽松的货币政策、资产证券化和欧美的银行治理模式是导致银行该行为的重要动力原因。本文试图通过回顾这三个方面相应的最新文献，并重点强调它们对银行行为的影响渠道和机制，希望能够加强对金融危机产生原因的理解。%The excessive risky financial products which created and hold by banking system is an important source of the 2008 financial crisis, and long-run loose monetary policy, asset securitization and banking governance model of US and Europe are key contributors to buildup of risk. This article reviews recent literature in these fields and highlights the mechanism and channel, tries to strength our understanding to the financial crisis.
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