摘要
2007年美国爆发了次贷危机并迅速波及到全球的金融市场,我国的金融体系也面临着很大的潜在危机。本文就我国商业银行面临的风险做了分析,针对这些风险提出推行住房抵押贷款证券化的必要性,并在反思美国次贷危机与资产证券化关系的基础上,分析了我国商业银行推行住房抵押贷款证券化应注意的若干问题。
American subprime crisis erupted and quickly spread to the global financial markets in 2007.The financial system of China is also facing a very serious potential crisis.According to the risk commercial banks facing this paper has made analysis,and put forward the necessity of implementing housing mortgage-backed securitization.On the basis of reflecting the relationship between the US subprime crisis and the asset securitization,this paper has analyzed several problems that the commercial banks should pay attention to during implementing housing mortgage-backed securitization in our country.
出处
《未来与发展》
2011年第12期42-45,共4页
Future and Development
基金
安徽省教育厅重点人文社科基地资助项目
关键词
住房抵押贷款证券化
次贷危机
商业银行
金融体系
housing mortgage-backed securitization
subprime crisis
commercial bank
financial system
