摘要
2007年4月,以美国第二大次级抵押贷款公司——新世纪公司申请破产保护为开端,美国次级抵押贷款的风险开始显现,并迅速向以次级抵押贷款为支持的各类证券化产品的持有者转移,对美国乃至世界金融业带来了巨大的损失。该危机触发的根本原因是贷款抵押公司等信贷发放机构放松了贷款审核标准。这次危机对我国保险监管机构的监管工作有着重要的启示。
In April 2007, New Century, the second largest subprime mortgage company in the United States, applied for bankruptcy, which unveiled the subprime mortgage crisis in the United States, The crisis was quickly felt be holders of various securitization products of subprime loans, and brought about tremendous loss to the United States and the global financial industry. The root of this crisis was loosen screening for loans by mortgage loan firms. It has an important implication for the regulatory work of China's insurance industry.
出处
《保险研究》
CSSCI
北大核心
2008年第1期87-90,共4页
Insurance Studies
关键词
次级抵押贷款
次级抵押贷款债券
保险监管
subprime mortgage loan
subprime mortgage loan bend
insurance regulation