次贷危机对金融业的影响与启示  

Influence and inspiration of subprime mortgage crisis to finance

作　　者：黄嘉聪[1] 

机构地区：[1]苏州大学商学院金融系,江苏苏州215006

出　　处：《美中经济评论》2008年第6期19-27,共9页Meizhong Jingji Pinglun

摘　　要：美国的次级抵押贷款危机对美国金融业带来了一次严重的打击，由于在资产证券化过程中各类衍生产品十分复杂，使得各金融机构在应对风险时缺乏正确的处理方式，包括中国商业银行在内的众多金融机构在此次次贷危机中都遭受了巨大的损失。本文讲述了贝尔斯登以及中国银行等受到次贷的影响，并从中挖掘对中国商业银行经营的重要启示。The subprime mortgage crisis has brought great impact to the finance and the whole society of America, because the complexity of derivatives from asset-securitization made many financial institutions totally at a loss in face of risks, many of these institutions, including the Commercial Bank of China, have suffered great losses in this crisis. This article mainly tells about how Belsdon and Bank of China excavate the commercial bank running secret through this subprime mortgage crisis.

关 键 词：次贷危机 影响 商业银行 启示 

分 类 号：F830[经济管理—金融学] F832.33