次贷危机下银行业结构发展趋势

The Development Trend of Banking Structure in the Subprime Crisis

自2007年7月以来,美国次级按揭贷款风险不断显现,最终导致次贷危机爆发并通过其衍生产品链条将风险逐次传递给世界各地的金融机构,我国银行业也不例外。文章通过分析次贷危机对我国银行业结构变化的影响,为将来银行业结构的变化提供一个参考。

Since July 2007, the U. S. subprime mortgage risks had been continuing to appear and eventually resulting in the sub-prime crisis. Through its successive derivatives, the chains of risks had passed on to the financial institutions over the world, and China＇s banking industry is no exception, Based on analyzing the impacts of subprime crisis on the structural changes of China＇s banking industry, this paper provides some references for the future structural changes in the banking industry in China.