从2006年开始,美国住房市场大幅降温,加上银行利率的上升,很多次级抵押贷款市场的借款人无法按期偿还借款,导致一些放贷机构遭受严重损失,随着全美金融机构相继破产,引发了投资者对美国整个金融市场健康状况和经济增长前景的担忧,导致美国经济开始下滑,至此美国次贷危机爆发。本文简要阐述美国次贷危机所产生的原因和次贷危机给我们所受到的启发 Since 2006, the housing market in the United States has cooled dramatically. Coupled with the rise in bank interest rates, borrowers in many sub-prime mortgage lending markets have been unable to repay borrowings on schedule, causing some lenders to suffer serious losses. As the nation’s financial institutions went bankrupt one after another, Concerns over the health status of the entire financial market in the United States and the prospects for economic growth have led to a slide in the U.S. economy. As a result, the U.S. subprime mortgage crisis broke out. This article briefly describes the reasons for the subprime mortgage crisis in the United States and the lessons we have received from the subprime mortgage crisis