从一个新视角重新审视次贷危机及启示

Study on Subprime Lending Crisis and Its Enlightenment from a New Perspective

2007年夏天爆发的美国次贷危机发展至今,已演变成百年一遇的国际金融危机,引起人们对次贷危机产生原因的再度反思。在以往的原因分析中,人们往往从金融机构风险管理与金融监管中的技术性缺陷方面来寻找根源。如何从不同视角对次贷危机产生的原因及影响进行重新分析,是金融机构和监管当局共同研究的重要课题。

The subprime lending crisis broke out in the U. S. last summer has led to an international financial crisis once in a hundred years at present, which arouses people＇ s further reflections on the causes of it. In the past cause analysis, risk management of financial organizations and technical deficiency in financial regulation are believed to be the roots. Therefore,it is an important task for financial organizations and regulatory authorities to reanalyze the causes and the influence of subprime lending crisis from new perspectives.