次贷危机对中国银行业的影响..doc

摘 要 无论是美国、欧洲，还是新兴市场国家，“次贷危机”或许是最近半年多来各国金融市场上最耳熟能详的“时髦”字眼。AbstractWhether the United States, Europe, or emerging market countries, subprime crisis is perhaps the last six months to the worlds financial markets the most familiar of the fashionable words. From August 2007 the U.S. sub-prime mortgage crisis has so far lasted more than a year, the U.S. property market downturn, resulting in bad debts, thereby enabling the associated depreciation of subordinated bonds, and finally let a lot of buying these bonds, a huge global investment bank losses, or even bankruptcy. September 2008 began, the gradual deterioration of the subprime crisis, Freddie Mac and Fannie Mae by the U.S. government forcibly took over the investment bank Lehman Brothers filed for bankruptcy, Merrill Lynch acquired, Goldman Sachs and Morgan Stanley transformed into bank holding company, the largest U.S. savings bank Washington Mutual Bank was acquired more subprime mortgage crisis triggered a new round of global financial turmoil, the European banking sector into a panic and turmoil, the world governments are forced to raise deposit insurance, spend huge sums of money to recapitalize banks and other measures shot rescue, the subprime crisis has evolved into a comprehensive global financial crisis. Therefore, we should recognize the sub-prime crisis and its impact on Chinese Banking to develop effective coping strategies, not only better able to cope with the impact of the crisis, but also the Chinese banking industry in place pattern of significant changes in the banking world to occupy a favorable position to achieve long-term, sustained, rapid development has laid a solid foundation. Keywords: subprime mortgage crisis, banking, investment显示对应的拉丁字符的拼音 ? 字典 - 查看字典详细内容 朗读 显示对应的拉丁字符的拼音 ? 字典 - 查看字典详细内容 第一章 次贷危机的概念 1.1次贷危机的含义 次贷危机又称次级房贷危机,也译为次债危机。它是指一场发生在美国,因次级抵押贷款机构破产、投资基金被迫关闭、股市剧烈震荡引起的风暴。它致使全球主要金融市场隐约出现流动性不足危机。所谓“次贷”是指美国的次级住房抵押贷款。在美国，住房抵押贷款被划分为三类,第一类为优质的住房抵押贷款，此类借款人有稳定可靠的收入来源，良好的信用记录、债务负担合理，还款能力较