次贷危机下我国房贷市场的发展策略研究  

On Developing Strategy of Chinese Mortgage Market under Subprime Crisis

作　　者：王芳[1] 孙英隽[1] 

机构地区：[1]上海理工大学管理学院,上海200093

出　　处：《商业经济》2009年第2期30-32,共3页Business & Economy

基　　金：上海市教委重点学科建设项目(J50504);上海市教委科研创新项目(08YS104)部分研究成果

摘　　要：美国次贷危机引发的全世界范围的金融市场的动荡,对我国的金融市场也产生了一定的冲击。目前,我国房地产信贷市场也面临着违约风险、市场风险、提前还款等风险问题。我国应该从中吸取教训,建立健全我国房地产业信用征信体系;加强金融监管;稳定房价,防止房价大幅度波动;加快住房抵押贷款证券化进程,分散市场风险;积极运用金融创新,分散市场风险。The turbulence of financial market all over the world caused by American subprime crisis impacted Chinese financial market. Currently, Chinese market of real estate credit encountered some risks of default, market, prepayment, etc. Therefore, we should learn some lessons from it, improve Chinese credit collecting system of real estate, strengthen financial supervision, stabilize housing price to avoid wide-range fluctuation, accelerate securitization process of housing mortgage and apply financial innovation to disperse market risk.

关 键 词：次贷危机 房地产信贷 房贷风险 

分 类 号：F470[经济管理—产业经济]