中文：

金融危机是指金融市场出现严重动荡和危机的情况，通常表现为股市暴跌、银行破产、货币贬值、债务违约等一系列连锁反应。这些事件往往导致经济衰退和社会不稳定，给人们带来巨大的财富损失和民生问题。

金融危机的产生通常与以下几个方面有关：首先是经济过热和泡沫破裂，当经济高速发展、资产价格飙升时，往往会出现泡沫，一旦泡沫破裂，就会引发金融危机。其次是银行信贷风险积累，当银行过度放贷、风险控制不足时，会导致大量不良贷款，一旦经济环境变化，就会引发金融危机。第三是国际金融市场动荡和资本流动逆转，当国际金融市场出现动荡或资本流动逆转时，会导致本国货币贬值和债务违约，从而引发金融危机。

金融危机对一个国家和社会的影响是巨大的。首先，金融危机会导致经济衰退和失业率上升，给人们带来巨大的生活压力和经济损失。其次，金融危机会导致社会不稳定和政治风险增加，给国家的发展带来负面影响。因此，如何防范和应对金融危机是摆在各国面前的一项重要任务。

英文：

Financial crisis refers to a serious disturbance and crisis in the financial market, usually manifested as a series of chain reactions such as stock market crash, bank bankruptcy, currency depreciation, debt default, etc. These events often lead to economic recession and social instability, causing huge wealth losses and livelihood problems for people.

The emergence of financial crisis is usually related to the following aspects: first, economic overheating and bubble burst. When the economy is developing rapidly and asset prices are soaring, bubbles often appear. Once the bubble bursts, it will trigger a financial crisis. Second, bank credit risks accumulate. When banks lend too much and their risk controls are insufficient, they will result in a large number of non-performing loans. Once the economic environment changes, it will trigger a financial crisis. Third, international financial market turbulence and capital flow reversal. When there is turbulence in the international financial market or capital flow reverses, it will lead to the depreciation of the domestic currency and debt default, thus triggering a financial crisis.

A financial crisis has a huge impact on a country and society. First, it will lead to economic recession and rising unemployment, posing a huge living pressure and economic losses to people. Second, it will cause social instability and political risks, posing a negative impact on the country's development. Therefore, how to prevent and respond to the financial crisis is an important task facing countries around the world.