摘要
美国次贷危机使我们认识到房地产信贷风险管理是一项复杂的系统工程，需要商业银行、监管机构、金融中介机构等各种金融系统参与者的共同努力。本文概括了美国次贷危机的情况，分析了我国商业银行房地产信贷风险，提出我国商业银行房地产信贷风险管理应汲取美国次贷危机的经验教训，同时结合自身情况来加强和完善。
The U.S. subprime mortgage crisis made us realize that the real estate credit risk management is a complex systematic project, which needs the joint efforts of the financial systems such as commercial banks, the supervising institution, financial agencies and other participants. This article summarizes the U.S. subprime mortgage crisis situation, analyzes the real estate credit risk of commercial banks, puts forward that the real estate credit risk management in China＇s commercial banks should learn the experiences and lessons from the U.S. subprime mortgage crisis so as to strengthen and improve the present situation.
关键词
商业银行
房地产信贷风险管理
次贷危机
commercial banks
real estate credit risk management
subprime mortgage crisis
