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由美国次级住房抵押贷款市场动荡引起的金融危机对全球金融市场产生了巨大的冲击。中国经济与世界经济的关联日益紧密,面对全球性经济金融风暴的到来,中国不可避免的受到影响。本文剖析了美国次贷危机的生成和发展机理,通过深入比较中国和美国的房地产市场特征,同时分析了近十年来中国银行业金融系统的资产及风险状况,最终得出了中国银行业发展基本保持平稳,房地产行业信贷风险可控的研究结论。
The financial crisis caused by the turmoil in the U.S. subprime mortgage market has had a huge impact on global financial markets. China’s economy has become increasingly interconnected with the world economy. In the face of the global economic and financial crisis, China will inevitably be affected. This article analyzes the formation and development mechanism of the subprime mortgage crisis in the United States. Through an in-depth comparison of the real estate market characteristics of China and the United States, it also analyzes the assets and risks of the banking system in the past decade. Finally, it concludes that the development of China’s banking sector Remained stable, the real estate industry credit risk controllable research conclusions.