08年金融危机对中国的影响

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！