论美国次贷危机的成因及其对我国房贷市场的启示

由于利率上升和房价下跌引发的美国次贷危机导致了全球经济的剧烈波动。美国次贷危机为中国房贷市场敲响了警钟,必须高度关注和严格防范我国信贷市场的潜在风险,促进我国房贷市场的健康发展。

In the united states the subprime crisis, which is reflected by the increase in the interest rate and decrease of the housing price, causes the violent fluctuation in world economy. The mortgage market in China should be fully alert by learning the experience of American subprime crisis. We must pay much attention and prevent the potential risks to promote the development of the mortgage market in China.