商业银行住房抵押贷款的分析精要.docVIP

商业银行住房抵押贷款的分析 摘 要 美国次贷危机引发的金融给美国乃至全球金融市场都带来此次次贷危机的爆发主要是由美国利率大幅度上升、金融衍生产品的过度创新以及美国过于廉价的信用体制等。近年来，我国给我国的住房抵押贷款市场带来重大的风险隐患因此，商业银行应加强对个人住房抵押贷款的风险管理，确保我国住房抵押贷款市场的健康发展为能有效维护我国商业银行业发展，对我国商业银行住房抵押贷款的现状进行风险分析并寻找有效地措施来防止不利事件的发生，对于中国是一个迫切而又十分重要的新课题。 ABSTRACT The United States sub-loan crisis triggered by the financial turmoil to the United States and the global financial market has brought a huge impact. The main reason for the outbreak of the subprime mortgage crisis by the United States of America, is rising interest rates substantially over the innovation of financial products and the United States o