本文从一个客观的角度阐述了美国次级贷款的产生过程,分析了次债危机产生的表层原因及深层次的根源,描述了此次危机对世界以及中国产生的影响。进而得出危机对中国在借贷市场的启示,对中国的银行金融机构如何加强监管进行了深入探讨,提出企业加快发展企业信用的必要性以及具体实施方式。 This article elaborates the process of the emergence of subprime loans in the United States from an objective perspective, analyzes the surface causes and deep roots of the subprime crisis, and describes the impact this crisis has had on the world and China. Then we get the enlightenment of the crisis on China’s lending market, discuss how to strengthen the supervision of China’s banking financial institutions, and put forward the necessity of enterprises to speed up the development of corporate credit and the specific implementation methods.