求有关于金融危机和金融创新论文的参考文献，中英文都可

1. 求有关于金融危机和金融创新论文的参考文献，中英文都可

[1]刘颖,欧阳斌. 金融危机背景下协调金融创新与金融监管冲突的法治对策[J]. 贵州商业高等专科学校学报,2009,(3). 
[2]林明凤. 国际金融危机下的金融创新与金融监管[J]. 现代交际,2010,(6). 
[3]曹东勃,秦茗. 金融创新与技术创新的耦合——兼论金融危机的深层根源[J]. 财经科学,2009,(1). 
[4]丁化美. 在金融危机中加快推进我国金融创新——论金融创新与金融危机辩证关系[J]. 山东经济,2009,(4). 
[5]王惠凌,滕进华. 美国金融危机对我国金融创新及金融监管的启示[J]. 特区经济,2009,(6). 
[6]王海军,姜磊. 后金融危机时代中国银行业金融创新与发展[J]. 金融发展研究,2010,(12). 
[7]王海军,姜磊. 后金融危机时代中国银行业金融创新与发展[J]. 区域金融研究,2011,(1). 
[8]张细松. 资产证券化、金融创新与资本市场——基于美国金融危机分析的视角[J]. 云南财经大学学报,2011,(3). 
[9]陈强. 后金融危机时代房地产金融创新与风险防范[J]. 价值工程,2011,(33). 
[10]李向军,解学成. 引入金融创新的IS-LM模型:金融危机求解[J]. 中央财经大学学报,2010,(2). 
[11]陈光华. 美国金融危机战略成因及对我国金融创新的启示[J]. 滨州学院学报,2010,(1). 
[12]李翰阳. 从全球金融危机看我国银行业金融创新的进一步发展问题[J]. 国际金融研究,2009,(2). 
[13]秦建文,梁珍. 汲取美国金融危机的教训稳健推进中国金融创新[J]. 国际金融研究,2009,(7). 
[14]吴文平,刘颖,欧阳斌. 金融危机背景下金融创新与监管的法治对策[J]. 北华大学学报(社会科学版),2009,(4). 
[15]秦建文,梁珍. 全球金融危机对中国金融创新发展的启示[J]. 金融论坛,2009,(7). 
[16]张华荣,陈伟雄. 金融危机下对西方发达国家金融创新过度的思考——基于马克思主义经济学视阈的分析[J]. 福建行政学院学报,2009,(6). 
[17]吴丽红. 从美国金融危机看金融创新及其风险防范[J]. 改革与战略,2010,(1). 
[18]刘红. 基于金融危机视角的商业银行金融创新研究[D]. 山东经济学院: 山东经济学院,2010. 
[19]岳彩申,张晓东. 金融创新产品法律责任制度的完善——后金融危机时代的反思[J]. 法学论坛,2010,(5). 
[20]狄瑞鸿. 透视美国金融危机中的金融创新“蝴蝶效应”[J]. 兰州商学院学报,2009,(4). 
[21]周逢民. 后金融危机时代的金融创新——在哈尔滨金融学院建校60周年金融高端论坛上的演讲[J]. 黑龙江金融,2010,(11). 
[22]吴云峰. 后危机时代我国金融创新监管的法律因应之道——以美国次贷危机为视点[J]. 北方法学,2011,(4). 
[23]张梅. 后金融危机时期的金融创新策略与风险监管[J]. 上海金融,2010,(2). 
[24]黄嘉仪. 金融危机成因中的金融创新因素分析[D]. 吉林大学: 吉林大学,2010. 
[25]记者 姜欣欣. 在改善风险监管的基础上加快银行创新[N]. 金融时报,2010-02-01(008). 
[26]祁绍斌. 从迪拜金融危机看金融创新与金融监管之关系[J]. 生产力研究,2011,(4). 
[27]王海波,尹晓海. 从美国金融危机看金融创新与金融监管[J]. 中国经贸导刊,2010,(11). 
[28]李若璇. 金融危机警示我国金融监管与金融创新应该相匹配[J]. 中国商界(下半月),2010,(6). 
[29]盛硕. 后金融危机时代美国金融监管改革与金融创新[J]. 市场周刊(理论研究),2010,(7). 
[30]皮天雷. 金融创新与金融监管:当前金融危机下的解读[J]. 西南金融,2009,(6). 
[31]沈联涛. 金融创新、金融监管与此次金融危机的联系及其改革方向[J]. 国际金融研究,2010,(1). 
[32]胥爱欢. 金融创新的激励机制与金融危机形成机制——基于异质信念、创新脆弱性的分析[J]. 金融教学与研究,2010,(5). 
[33]记者 姜微　姚玉洁. 金融中心指数排名,上海一年疾升25位[N]. 新华每日电讯,2009-11-11(006). 
[34]刘畅. 后金融危机时代中国商业银行金融创新的路径选择[J]. 时代金融,2010,(11). 
[35]昌忠泽. 对美国金融危机的反思——金融创新角度[J]. 天津社会科学,2010,(6). 
[36]王晖. 浅议后金融危机时代我国的银行管理与金融创新[J]. 中小企业管理与科技(上旬刊),2011,(2). 
[37]冯振伟. 浅谈美国金融危机对我国金融创新的启示[J]. 决策探索(下半月),2011,(2). 
[38]李昌镛. 金融危机与金融创新之于亚洲[J]. 中国科技财富,2011,(11). 
[39]樊鑫. 试论金融危机下当前我国的金融创新[J]. 中国外资,2011,(10). 
[40]亚洲开发银行首席经济学家李昌镛 金融危机与金融创新[J]. 中国高新区,2011,(6). 
[41]韩骏. 国际金融危机后我国金融创新的路径选择[J]. 投资研究,2010,(10). 
[42]郑惠文. 后金融危机时代的风险监管理念及金融创新策略[J]. 金融经济,2011,(14). 
[43]孙松,李栋. 金融危机视角下我国银行业的金融创新[J]. 东方企业文化,2011,(6). 
[44]千珊珊,苏季萍. 浅析国际金融危机下金融创新之利与弊[J]. 思想战线,2011,(S1). 
[45]常霞. 美国金融危机与我国金融创新[J]. 品牌(理论版),2009,(Z2). 
[46]周静,王冀宁,茅宁. 金融危机下的中小企业融资与金融创新[J]. 现代管理科学,2010,(1). 
[47]张志杰,刘力铭. 金融危机背景下的金融创新反思[J]. 现代营销(学苑版),2010,(3). 
[48]王侨钰. 金融危机对我国金融创新与风险监管的启示[J]. 华北金融,2010,(2). 
[49]郑卫国,潘望春. 金融危机视角下的金融创新与风险防范[J]. 福建金融,2010,(2). 
[50]刘明辉,何敬. 自由与罪恶——金融创新与金融危机[J]. 财务与会计,2010,(1).

2. 跪求一篇中小企业财务危机相关内容的 外文翻译 速度！！过几天就要交论文了！！谢谢大家啊啊啊啊

中小企业财务风险分析与防范的英文翻译

2  国内研究现状
2.1财务风险的含义
叶华在《中小企业财务风险评价与控制研究》中指出财务风险是企业丧失偿债能力的可能性和股东收益的不确定性, 它是由于企业资金困难, 采取不同的筹资方式而带来的风险。
从分析财务风险入手，阐述其含义、特征以及种类等内容；在此基础上对财务风险产生的原因进行深入细致的分析研究，分析总结出财务风险产生的内因和外因诸方面；从而提出树立风险意识，建立有效的风险防范机制；建立和完善财务管理系统，以适应财务管理环境变化；建立财务风险预警机制，加强财务危机管理；提高财务决策的科学化水平，防止因决策失误而产生的财务风险；通过防范内部制度，建立约束机制来控制和防范财务风险五个方面的财务风险防范措施以及自我保险、多元化风险控制、风险转移、风险回避、风险降低五种技术方法。只有控制防范和化解企业财务风险，才能确保企业在激烈的市场竞争中立于不败之地。 
2.2 财务风险的成因
（一）外部原因
1、国家政策的变化带来的融资风险。一般而言，由于中小企业生产经营不稳定。一国经济或金融政策的变化，都有可能对中小企业生产经营、市场环境和融资形式产生一定的影响。从2007 年开始，我国加大了对宏观经济的调控力度，央行第四次提高存款准备金率，尤其是实行差额准备金制度使直接面向中小企业服务的中小商业银行信贷收紧，中小企业的资金供给首先受阻，融资风险徒增不少，中小企业也因无法得到急需资金而被迫停产或收缩经营规模。2、银行融资渠道不流畅造成的融资风险。企业资金来源无非是自有资金和对外融资两种方式。在各种融资方式中，银行信贷又是重要的资金来源，但是银行在国家金融政策以及自身体制不健全等情况的影响下，普遍对中小企业贷款积极性不高，使其贷款难度加大，增加了企业的财务风险。
（二）内部原因1、盲目扩张投资规模。有相当一部分的中小企业在条件不成熟的情况下，仅凭经验判断片面追求公司外延的扩大，忽略了公司内涵和核心竞争力，造成投资时资金的重大浪费。2、投资决策失误。对企业来说，正确的产业选择是生存发展的战略起点。但一些企业在选择产业过程中，往往忽视了“产业选择是一个动态过程”的观念，不能敏锐地把握产业演变的趋势和方向。3、投资合作伙伴选择不当。企业在做出投资决策时，一定要充分考虑合作伙伴的资质、信誉，并应具备承担相应风险能力。4、诚信不足。中小企业信用不足是一个普遍现象。因此，银行要向中小企业提供贷款或投资人要向中小企业进行投资就不得不加大人力资源的投入以提高信息的收集和质量分析。这一方面加大了银行或投资人的贷款和投资成本。另一方面也给中小企业的融资带来困难。能否融通到资金，能融通到多少资金，中小企业的融资存在很大的不确性。
1 the meaning of financial risk 
Ye at "small and medium-sized financial risk assessment and control of research" that the financial risk is the possibility of corporate insolvency and shareholders, the proceeds of uncertainty, it is difficult because of enterprise funds, to adopt a different mode of financing brought about by risk. 
Starting from the analysis of financial risk on its meaning, characteristics and types of content; at this based on the causes of the financial risk to conduct in-depth analysis and detailed research, analysis concludes that the financial risks arising from internal factors and external aspects; in turn, establish a risk awareness, the establishment of an effective risk prevention mechanism; set up and improve the financial management system to meet the financial management of environmental change; set up the financial risk early warning mechanism, strengthen the financial crisis management; improve the scientific level of financial decision-making to prevent due to poor decisions arising from the financial risk; through internal systems to prevent the establishment of binding mechanisms to control and guard against financial risk in five areas of financial risk prevention measures as well as self-insurance, diversification of risk control, risk transfer, risk averse, risk reducing the five techniques. Only controlled enterprises to guard against and defuse financial risks, in order to ensure that enterprises in the fierce competition in the market in an invincible position. 
2.2 The causes of the financial risks

(A) external causes 
1, the national policy changes brought about by the financing risk. Generally speaking, small and medium-sized production and operation because of instability. A country's economy or monetary policy changes, there may be small and medium-sized production and management, market conditions and financing forms have a certain impact. Beginning in 2007, our country has increased the intensity of macroeconomic regulation and control, the central bank to raise the fourth time the deposit reserve ratio, in particular, are ready to implement the difference between a direct deposit system to make small and medium-sized service-oriented small and medium-sized commercial banks to tighten credit, SMEs First of all, the capital supply disruption, the risk of inviting a lot of financing, SMEs also in urgent need of funds can not be forced to stop production or the scale of downsizing. 2, bank financing channels for non-financial risks caused by fluid. Corporate sources of funds are nothing more than its own funds and external financing in two ways. In various modes of financing, the bank credit is also an important source of funds, but banks in the country's financial policies as well as their own sound system is not under the influence of such circumstances, the general enthusiasm for SME lending is not high, their loans more difficult to increase the the enterprise's financial risk. 
(B) internal factors one, blind expansion of investment scale. There is a considerable number of conditions are not ripe for the SMEs in the circumstances, only the experience of one-sided pursuit of companies to determine the expansion of the extension, ignore the company's content and core competitiveness, resulting in a major capital investment wasted. 2, the investment decision-making errors. For business, the correct selection of industries are the starting point for the survival and development strategy. However, some industrial enterprises in the selection process, the often overlooked "industry is a dynamic selection process" concept, should not a keen grasp of industry trends and direction of evolution. 3, improper selection of investment partners. Enterprises to make investment decisions, we must give full consideration to qualified partners, reputation, and should have to bear the corresponding risks. 4, less than honest. Lack of SME credit is a common situation. Therefore, small and medium-sized banks to provide loans or investments to small and medium-sized people had to step up investment on human resources in order to improve the quality of information collection and analysis. This respect has increased the investment bank or person lending and investment costs. On the other hand also give small and medium enterprises financing difficult. Ability to finance capital, to finance the number of funds, the financing of SMEs exist great uncertainties.

3. 金融危机翻译成英文

“这次金融危机的直接诱因是美国次级抵押贷款，即美国的金融机构向没有信用或没有固定收入来源的人发放大量的住房贷款，然后又将这种贷款制作成债券出售给投资人，最后还将这种债券制作成金融衍生品进行对冲交易。如何迅速遏止金融危机、迅速遏制金融危机对实体经济的影响，是当前世界各国的头等大事和一致行动。” This financial crisis's direct cause is the American overlying mortgage loan, namely US's financial institution doesn't have the credit or doesn't have the human who the fixed income originates to provide the massive mortgage, then manufactures this kind of loan the bond sell to give the investor, finally also manufactures this kind of bond the financial derivation to carry on to flushes the transaction. How to suppress the financial crisis, the rapid containment financial crisis rapidly to the entity economy influence, It is the current various countries major event and the concerted action.”  这个有些金融方面的专业术语不太清楚，我也只能翻译成这样了，你参考一下吧！