以下是近期《时代周刊》中介绍新上任的一位国际货币基金组织官员对国际货币基金组织未来如何发挥其职能的个人

What O'Neill has said repeatedly is that the IMF should stop playing fireman，rushing to help after a Country's finances have burst into flames, and become a "fire marshal"(消防署署长) instead. This means interfering early, advising countries exactlywhat is wrong and what reforms are needed, tracking results and then issuing publicwarning when countries are heading for disaster. "If a country willfully (固执地) followsbad policies that it's been talked to about, " says O'Neill, "we can be more relaxedin saying to them: 'We are not going to be there when chickens come to roost (习语，指恶行的自作自受). '"

请根据以上材料，回答下列问题。

(1)你觉得他所说的导致一国出现货币金融危机的“坏政策”主要指的是些什么政策？试根据有关理论，说明“坏政策”是如何使一国经济陷入货币危机的。

(2)你觉得一国出现货币金融危机会完全是由于“坏政策”造成的吗？还有哪些因素也可能对现在货币金融危机的爆发负责任。