美国次贷危机对我国商业银行的重要启示是房产的价值是随着市场不断变化的。美国次级房贷危机影响到了全球金融市场,各国流动性都受到冲击,各大央行纷纷注资以稳定投资者信心。虽然此次中国没有受到实质性影响.但由于我国与美国有着相似的利率政策和房地产发展轨迹,这次危机将给国内商业银行带来更多的警示。 The important revelation of the U.S. subprime mortgage crisis to our country’s commercial banks is that the value of real estate changes with the market. The crisis in the U.S. subprime mortgage market has affected the global financial markets. All countries have been hit by liquidity. Major banks have injected capital to stabilize investor confidence. Although China did not materially affect this time, due to the similar interest rate policy and real estate development track between China and the United States, this crisis will give domestic commercial banks more warning.