美国次贷危机对中国地产金融创新的启示.docVIP

美国次贷危机对中国房地产金融创新的启示 摘 要 鉴于房地产作为支柱产业的重要性，房地产金融创新是房地产金融业发展的必然要求，对促进房地产业发展具有重要意义。但是房地产金融创新也会产生风险，次贷危机的爆发深刻地展示了房地产金融创新的现实风险，引起了金融界关于加强监管的反思。我们应正确认识房地产金融创新的价值和局限，从中国实际出发，借鉴国际房地产金融创新的经验和教训，推进创新，改善监管。 关键词：次贷危机 房地产金融 创新 ABSTRACT In view of the importance of real estate industry in economy, the innovation of real estate finance plays a very important role in promoting the development of real estate industry,but real estate financial innovation also leads to risks. The outbreak of sub-prime crises demonstrates deeply risks caused by real estate financial innovation and it attracts revisit of supervisio