since 2007, the sub-prime mortgage loan crisis has butterflied the global financial crisis which expands from virtual economy to real economy; therefore, the risk management on bank is very emergent.
从2007年开始,源自美国的次贷危机已演变成为一场席卷全球的金融危机,并从虚拟经济向实体经济迅速蔓延,银行业风险管理更加刻不容缓。