美国次贷危机所引发的国际金融危机愈演愈烈,加大了中国经济运行的不确定性。这进一步加大了中国商业银行住房信贷业务的风险。对此,中国商业银行应充分借鉴美国次贷危机的启示,加强中国商业银行个人信贷风险管理。 The international financial crisis triggered by the U.S. subprime mortgage crisis intensified, adding to the uncertainty of China’s economic operation. This further increases the risk of China’s commercial bank housing credit business. In response, China’s commercial banks should draw lessons from the revelation of the U.S. subprime mortgage crisis and strengthen the personal credit risk management of commercial banks in China.