论文部分内容阅读
2008年9月7日注定是一个非常重要的日子,因为这一天美国政府宣布接管房利美和房地美(简称两房),美国财长保尔森强调,政府采取行动,是因为房利美与房地美对金融体系影响巨大,任何一家倒闭都会导致美国国内与全球的金融市场大动荡;两家公司倒闭,也会影响美国人取得房贷、车贷与其它信用的能力。以“两房”为主的美国住房金融体系的精巧设计曾经令无数研究房地产金融的学者赞叹不已,这个体系也是美国以市场为主导的金融结构的重要标志。
September 7, 2008 is destined to be a very important day, because the U.S. government announced the takeover of Fannie Mae and Freddie Mac (“two rooms”) on that day. Treasury Secretary Henry Paulson stressed that the government took action because Fannie Mae The U.S. and Freddie Mac have a huge impact on the financial system. Any collapse will lead to major turmoil in the domestic and global financial markets. The collapse of the two companies will also affect the ability of Americans to obtain mortgages, car loans and other credits. The ingenious design of the U.S. housing finance system dominated by “two rooms ” has amazed countless academics who have studied real estate finance. This system is also an important symbol of the market-oriented financial structure of the United States.