次贷危机对我国住房抵押贷款市场的影响

On the Subprime Crisis Effects of China Mortgage Market

通过剖析美国次贷危机的产生和演进过程,运用类比法和统计分析法对我国住房抵押贷款市场的潜在风险进行分析,提出了中国不存在类似危机发生的条件,但潜在的风险因素不容忽视的观点,建议加强对风险的控制,防范类似危机的发生。

This paper analyses the producing and developing process of the subprime crisis as well as the potential crisis in the mortgage market of China, and also proposes the innovation point of the paper by analogy and statistics. The innovation proposed in this paper is that there is condition for this kind of risks, but the potential risks factors cannot be neglected and the control and management should be given to it to prevent the occurrence of the risks.