以美国次贷危机为鉴,加强住房贷款风险管理,健全金融机构风险内控机制意义深远。本文结合目前我国住房贷款业务的实际情况分析次贷危机对我国金融市场的启示,并提出切实可行的风险防范措施,以提高商业银行的竞争力,促进商业银行的持续、健康和稳定发展。 Taking the U.S. subprime mortgage crisis as a guide, it is of far-reaching significance to strengthen the risk management of housing loans and improve the internal control mechanism of financial institutions risks. Based on the current situation of China’s housing loan business, this article analyzes the revelation of the subprime mortgage crisis to China’s financial markets and puts forward practical and feasible risk prevention measures to improve the competitiveness of commercial banks and promote the sustainable, healthy and stable development of commercial banks.