摘要
美国次贷危机爆发的根本原因是资产证券化的基础资产次级贷款质量差和对资产证券化工具的过度应用及监管不力。而我国的现金贷市场同样存在贷款质量差、信贷风险大等问题。分析我国现金贷市场的风险,借鉴美国次贷危机发生的经验教训,提出了具有针对性的监管建议:防控信贷风险,提高贷款质量;严格监管利率水平,防止出现高利率;严格控制现金贷资产证券化的规模,防止现金贷的风险蔓延。
The root causes of the US subprime mortgage crisis are the poor quality of the underlying asset subprime loans and the excessive application of asset securitization,as well as the ineffective supervision of the fragmented financial supervision system.However,China cash loans market also has the problems of poor loan quality,high credit risk and asset securitization.This paper analyzes the risk of China’s cash loan market,put forward to have the pointed supervisory suggestion,extract experience and draw a lesson from the US subprime mortgage crisis to prevent the occurrence of China subprime crisis.
作者
王杰
Wang Jie(Advisory Department for Policy-decision of HeiLongJiang P.P.C of the C.P.C and HLJ Province School of Administration,Harbin 150001)
出处
《对外经贸》
2020年第6期109-110,145,共3页
FOREIGN ECONOMIC RELATIONS & TRADE
基金
黑龙江省哲学社科研究规划项目“黑龙江省科技创新资源整合研究”阶段性成果(项目批准号16JYD06)。
关键词
次贷危机
现金贷
金融监管
Subprime Mortgage Crisis
Cash Loans
Financial Supervision
