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当前美国次贷危机恶化,全球股市出现连续暴跌,我国房地产市场也步入低谷。在美国次贷危机中,五大投资银行几乎全军覆没,商业银行也因此受到严重打击。美国次贷危机表明,住房抵押贷款背后隐藏着巨大的风险,因此我国商业银行住房信贷要充分认识次贷危机爆发的原因,并针对我国住房信贷存在的风险要采取相应的对策。
As the current U.S. subprime mortgage crisis worsens, global stock markets have plummeted continuously, and China’s real estate market has also slumped. In the subprime mortgage crisis in the United States, the five major investment banks were almost completely annihilated and commercial banks were hit hard. The subprime mortgage crisis in the United States shows that there is a huge risk hidden behind the mortgage loans. Therefore, China’s commercial bank housing credit should fully understand the causes of the subprime mortgage crisis and take appropriate countermeasures against the risks existing in China’s housing credit.