| 美国次贷危机对我国住房抵押贷款风险防范的启示 |
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| 引用本文： | 朱力,朱晓. 美国次贷危机对我国住房抵押贷款风险防范的启示[J]. 北华大学学报(社会科学版), 2011, 12(5): 55-57 |
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| 作者姓名： | 朱力 朱晓 |
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| 作者单位： | 1. 吉林市住房公积金管理中心
2. 吉林市国土资源管理局,吉林,132001 |
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| 摘 要： | 2007年,美国次级抵押贷款危机恶化,次贷风波中首当其冲遭遇打击的就是银行业,住房抵押贷款背后隐藏的风险是当前中国商业银行特别应该关注的问题,这场风波为我们敲响了居安思危的警钟。目前中国银行住房信贷也存在着一定风险,美国次贷危机无疑给我国商业银行住房抵押贷款提供了启示和前车之鉴。
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| 关 键 词： | 次贷危机 个人住房抵押贷款 风险 |
Enlightenment of Avoiding Risk of the Housing Loans Provided by Chinese Banks from Secondary Loan Crisis of the United States |
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| ZHU Li,ZHU Xiao. Enlightenment of Avoiding Risk of the Housing Loans Provided by Chinese Banks from Secondary Loan Crisis of the United States[J]. , 2011, 12(5): 55-57 |
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| Authors: | ZHU Li ZHU Xiao |
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| Affiliation: | (1.Administrative Center of Housing Accumulation Fund in Jilin City,Jilin 132001,China; 2.Land Resource Administration Bureau in Jilin City,Jilin 132001,China) |
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| Abstract: | In 2007,the overlying mortgage loan crisis of the United States was worsening.The loan disturbance shocked the banking industry.It is the concern of the risk which hides behind the housing mortgage loan that Chinese commercial banks should pay attention to in particular.The disturbance has sounded the alarm for us to think the danger in peace.This article analyzes the present situation and the existing risk of the housing loans provided by Chinese banks provides suggestion and enlightenment for them. |
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| Keywords: | Secondary loan crisis Individual housing mortgage loans Risk |
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