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。
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.
出处
《北华大学学报（社会科学版）》
2011年第5期55-57,共3页
Journal of Beihua University(Social Sciences)
关键词
次贷危机
个人住房抵押贷款
风险
Secondary loan crisis
Individual housing mortgage loans
Risk
