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随着美国次级抵押贷款市场危机扩大至其他金融领域,银行普遍选择提高贷款利率和减少贷款数量,致使全球主要金融市场陷入流动性不足危机。虽然我国金融和房地产市场与美国市场之间存在相似性,但两者之间存在本质区别。本文通过深入剖析美国次贷危机发生的原因及传导机制,借以研究中国式次贷危机,避免重蹈覆辙。
As the crisis in the U.S. subprime mortgage market widened to other financial sectors, banks generally chose to raise lending rates and reduce the number of loans, causing the major global financial markets to fall into a crisis of lack of liquidity. Although there are similarities between China’s financial and real estate markets and the U.S. market, there is an essential difference between the two. By analyzing the causes and transmission mechanisms of the U.S. subprime crisis, this paper studies the Chinese subprime crisis and avoids repeating the same mistakes.