一、金融危机与次贷危机目前席卷全球的国际金融危机主要来自于美国发生的次贷危机。所谓次贷危机准确讲应该叫作“次级按揭贷款危机”。美国房屋按揭贷款根据客户信用质量分为三级:优级按揭贷款(Prime mortgage)、超A按揭贷款 First, the financial crisis and subprime mortgage crisis At present, the international financial crisis sweeping the globe mainly comes from the subprime mortgage crisis in the United States. The so-called subprime mortgage crisis accurately should be called “subprime mortgage crisis ”. US home mortgage loans based on customer credit quality is divided into three levels: excellent mortgage (Prime mortgage), ultra-A mortgage loans