美国次级债危机对我国金融机构的影响

美国刺激债危机对现时的美国与世界经济带来了巨大的冲击。当下的中国正处于金融开放的前夜，这场危机带给我们的反思是深远的：身处防火墙保护之下的中国金融市场能够承载多大的风险，资本管制下的金融机构能否应对次级债危机的影响? 美次级债风波对中国金融和资本市场影响有限，更多是心理层面的影响，但中国也要反思自身金融市场存在的风险，尽快弥补金融体系漏洞。为了更加细致深入地考察和有效地防止此危机，有必要从纷繁复杂的金融事件中，去探求危机的形成。通过分析美国次级债危机产生的原因﹑影响尤其是对我国金融机构的影响。我国金融机构应借鉴国内外金融机构风险管理制度的先进经验，完善我国金融机构风险管理制度，提高我国金融机构应对次级债危机影响的能力。

关键词：资产证券化  次级债  次级债危机  金融机构  风险管理

 
Abstract
Abstract : The American secondary debt crisis starts in 2006 the second half of the year, causes the common people in 2007 February to pay attention generally, promotes to 2007 August engulfs the entire world the money market storm. The American stimulation debt crisis has brought the huge impact on present's US and the world economics. Immediately China is being in the financial open eve, this crisis takes to our resonsideration is profound: Places under the firewall protection China money market to be able the load bearing big risk, whether under the capital control financial organ to deal with the secondary debt crisis's influence? The US secondary debt disturbance is limited to the Chinese finance and the capital market influence, more is the psychological stratification plane influence, but China must reconsider own money market existence risk, makes up the financial system crack as soon as possible. For carefully thoroughly the inspection and prevents this crisis effectively, it is necessary from the complex complex financial event, seeks crisis's formation. Through analyzes the reason ﹑ influence which the American secondary debt crisis produces particularly to our country financial organ influence. Our country financial organ should profit from the domestic and foreign financial organ risk management system's advanced experience, consummates our country financial organ risk management system, enhances our country financial organ to deal with ability which the secondary debt crisis affects

Keywords：Property securitization  Sub-prime Loan   Sub-prime Loan Crisis  Financial institution   Risk Management

*若需了解更多与协助请咨询↓→[电脑QQ][手机QQ]【数据协助】