中美房地产金融风险比较及我国的应对策略

Comparison between China and America of Financial Risk in Real Estate Sector and China's Strategy

近年来,伴随我国房地产市场的高速发展,金融特别是银行信贷在不断提供支撑的同时,其面临的风险也不断积聚。美国次贷危机的爆发,让我们有机会冷静审视当前我国房地产金融面临的风险和形势,通过对比,不难发现中美两国房地产金融风险有着许多相似之处。借鉴美国的经验和教训,本文提出应对我国房地产金融风险的对策。

In recent years, China＇s real estate sector has been growing rapidly. Finance sector especially bank credit provided steady support, and risks consequently accumulated. The outbreak of American sub-prime crisis allows us to reconsider our own situation. In comparison, the author finds out quite a lot of similarities between China and America. And in the light of American experience, the article gives out suggestions on China＇s strategy.