| In 2007,because the American house price continues to fall,and the rear apartment's loan violation rate rise,subprime loan risk was completely exposed with housing mortgages.In the following one year and more,loan corporations close to bankruptcy,hedging funds forced to be liquidated and investment banks proclaiming their losses,Moreover,commercial banks and insurance institutions also suffered great loss and global stock market declined in response.Trust risk aroused by subprime loan, eventually,evolved into a global financial crisis.When the American subprime crisis financial disturbance resonating-odd,we should reconsider China's real estate finance risk.On the basis of the real estate finance risk concept,this article begins with the brief introduction of the evolving and developing process of subprime loan crisis.Then, detailed analysis of the reasons for the breakout of subprime crisis.A probe into the causes for this subprime loan crisis can make us absorb the lessons from the crisis,deal with risks accumulated in real estate and financial markets rationally and prudently, enhance our awareness of risk prevention,and improve our ability to manage risk so as to guarantee the stable and healthy development of China's real estate and financial markets.It has analyzes the present situation of real estate finance and the existing risk in China.In comparison,it sums up quite a lot of similarities and differences between China and America.This shows that although China won't occur the subprime crisis, but to deal with the risks facing the continuous accumulation of sufficient attention.On the different circumstances,in the light of American experience,the article proposed recommendations for further treatment on China's real estate financial risks.In this paper,by proposing to strengthen the regulatory functions,the establishment of early-warning system.Through using foreign experience and lessons for reference,it tries to make breakthroughs and innovation. |
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