American Housing Finance Risk And National Security Research In The Post Financial Crisis Period

At the beginning of the 21 st century, the outbreak of the subprime mortgage loan crisis started in the United States, resulting in a big shocks of the financial market and the stock market, and quickly from the virtual economy spread to the real economy, spread from the United States to the world, making the since the "Great Depression" the biggest global economic crisis. Caused by sub loan crisis of the fundamental reason lies in the housing financial risk and regulatory governance not timely is not complete, worth exploring the financial impact on the security of the housing, after the financial crisis, China is also facing the field of housing finance risk, and is a real estate bubble, it is necessary to pay attention from the field of housing finance of maintaining national security.The housing finance risk management lead to the global financial crisis, and endanger the national security of the United States. The United States high-tech bubble burst, the economy showed signs of recession, the Fed’s loose interest rate policy, resulting in capital market liquidity surplus, so the U.S. housing market continues to boom, subprime loans with the rapid development of derivatives market to before and after.2004 years, the world’s major economies began to face the pressure of inflation, the United States ended low interest rates. Interest rates rise not only increases the cost of financing the real estate business building, but also increased the burden of property buyers owing on the loan, subprime mortgage repayment rates rose sharply, subprime loan repayment pressure amplitude the purchase of investors increases, the tendency to give up real estate, a direct result of a large number of subprime borrowers can not repay the loan, the secondary housing Housing mortgage loans bad debts rate soared, coupled with the housing finance market, lack of supervision, in the legal system and the existence of loopholes, triggering the "subprime crisis". The subprime crisis weakened the strength of the US economy, military relative advantage in decline, decline the influence power of international organizations, economic hegemony, military hegemony, hegemonic system are subject to the subprime mortgage crisis hit.From the analysis of the US subprime crisis can be seen, the housing finance affects the traditional security and non-traditional security. And the pressure transmission to the Chinese through U.S. policy adjustment. Housing finance problems directly affect the development of national economy, the national strength is damaged, restrictions on military investment, thereby affecting the state power play, the country’s political status declined. The relative decline of American hegemony to adjust the national security strategy, the implementation of the "Asia Pacific rebalancing strategy, bring the cooperation dilemma of security dilemma and the political military on to Chinese, in the field of traditional security China to bring a certain pressure. The new housing finance policy liberalism in the period after the financial crisis led to a widening gap between rich and poor countries, weakening the role of social security and economic risks are increasing, and even the economic crisis, so that the Economic security is in a difficult situation, which has a profound impact on the non traditional security of the country.After the financial crisis, China is also facing the housing financial risk, affecting the national security, it is necessary to strengthen the risk management, through the establishment of the international housing finance cooperation mechanism to safeguard the national security. The housing financial risk faced by China including real estate bubble, financial institutions own business risk, system risk, after the financial crisis in our country is facing from the international security environment, political security, ideological security, social security, national security challenges, to our country in the future a longer period of time to achieve the strategic objectives of sustained and rapid economic development poses a serious threat. Therefore, the maintenance Chinese housing financial security needs to establish international housing finance cooperation mechanism this is the solution, international housing rigid demand, promote social stability, safeguarding the economic security of the objective requirements, also contribute to the Chinese experience, improve credit Imperial housing financial risk ability, but also need to overcome the political trust, the interests of the distribution and so on.