美国次贷危机及其对中国的启示

U. S. Sub-Loan Crisis and Its Inspiration to China

次贷危机爆发在美国国内,是多年宽松货币环境下,金融机构违规发放贷款、监管者监管不力以及金融衍生产品的运用等因素共同作用的结果。中国应吸取美国在这场危机中的经验教训,努力维护中国的金融安全,继续审慎推进中国资产证券化的过程。

Sub - loan crisis, which breaks out in U. S, is the result that effected by loans to non - financial institution, inadequate supervision by the regulator and the usage of financial derivatives under the circumstances of loose monctary for years. China should absorb the lessons from this crisis, maintaining the Chinese financial security, and continuing compelling the process of assets of China securities.