一、次贷危机的形成过程上世纪90年代末,伴随着美国国内股票市场狂跌、大批网络公司纷纷倒闭,加上“9.11”恐怖袭击的影响,美国经济出现了较大程度的滑坡。为刺激经济发展,美国政府采取了低利率的货币政策,大力发展信贷业务,使房地产业进入了一个良 First, the formation of the subprime mortgage crisis The late 90s of last century, accompanied by the collapse of the domestic stock market in the United States, a large number of Internet companies have closed down, coupled with “9.11 ” terrorist attacks, the U.S. economy has seen a greater degree of decline . In order to stimulate economic development, the U.S. government has adopted a low interest rate monetary policy and vigorously developed its credit business so that the real estate industry has entered into a good