冰岛危机刍议

2008年10月,冰岛爆发了严重的金融危机,国家濒临"破产"。冰岛危机的实质是金融业无限膨胀导致的金融泡沫在外部条件发生恶化时终于破裂。金融泡沫的产生与银行私有化后金融业盲目地走向国际市场以及政府放松对金融业的监管等因素有关。金融全球化趋势的快速发展为冰岛金融业的膨胀起到了推波助澜的作用。冰岛危机的教训是:银行在拓展其海外业务时没有量力而行;不能放松对金融业的监管;不能依靠信贷扩张来刺激经济;要正确处理发挥比较优势与提升产业结构的关系。

An Analysis of the Financial Crisis in Iceland

In October 2008 Iceland suffered a severe financial crisis that made the nation almost bankrupt. The root cause of the crisis is closely related to a large financial bubble created by speedy internationalization of the banking sector after its privatization,which crashed under adverse external conditions. The following lessons can be drawn:the strategy of "going global" for the banking sector should be implemented in a cautious way;lax government regulations over the financial sector should be avoided;credi...