次贷危机给我国房地产金融风险防范的启示

美国次贷危机给全球房地产业及金融市场带来了巨大冲击,文章通过分析危机发生的深层次原因,从中得出有益的启示,并根据我国房地产业自身特点和房地产金融发展的现状,从房地产市场调控、金融机构风险控制、资产证券化等角度,提出了房地产金融风险的防范对策.     

房地产金融风险分析及其对策探讨

美国次贷危机及"两房"事件给全球房地产业及房地产金融敲响了警钟。本文根据房地产业自身的特点,通过剖析房地产金融风险的成因,结合我国房地产金融发展的现状,提出了房地产金融风险的防范对策。     

安徽农村消费市场特点、制约因素及拓展对策研究

由美国次贷危机引发的国际金融危机，对我国经济产生了重大影响，将使我国出口贸易额在近二三年内下滑，凸显了我国经济不能过分地依赖外需拉动。如何有效地扩大内需，尤其是扩大农村消费，在当前显得尤为迫切与重要。然而，消费不足特别是农村消费不足，一直是我国经济面临的突出问题。本文对安徽农村消费市场进行一些探讨，     

在次贷危机情况下我国房地产业的发展策略

次贷危机已经演变为美国金融史甚至全球金融史上最深重的危机之一。当前我国房地产由于受到金融危机的影响，其发展前途堪忧，为了扭转其所处的困境，本文首先交代次贷危机的根源和我国房地产业所处的特殊环境，分析了房地产存在的风险，最后提出了我国房地产摆脱金融危机，加强金融风险防范的具体建议。     

美国次贷危机对我国房地产业发展的启示

2008年的次贷危机已经对世界经济产生了巨大影响,我国经济也不可避免地受到了影响,我国的房地产业更是受到了不小的冲击。面对次贷危机,我们应从中吸取经验教训,对过去的运行机制、监管方式进行反思,采取相应的措施,促进我国房地产业健康有序的发展。     

浅议金融危机下房地产企业的战略调整

受美国次贷危机影响，全球房地产业普遍萧条，我国的房地产市场也遭受了巨大的冲击。在此背景下，房地产企业应尽快认清形势，调整战略，以提高核心竞争力。     

美国次贷危机对中国金融监管的启示

文章从美国次贷危机爆发的成因分析入手，详细阐述了美国次贷危机对美国乃至世界经济的深远影响，并结合我国实际情况，提出了我国加强金融监管的相关措施，以化解金融风险。     

浅析中国房地产的发展对策——以美国次贷危机为研究背景

在次贷危机之后，中国房地产业不可避免地受到了冲击和影响。本文从住房按揭贷款人的信用、房价、贷款额度中投资比例三个方面分析了我国房地产业存在的主要问题，进而有针对性地提出了对策建议。     

中国式次贷危机实证研究

随着美国次级抵押贷款市场危机扩大至其他金融领域,银行普遍选择提高贷款利率和减少贷款数量,致使全球主要金融市场陷入流动性不足危机。虽然我国金融和房地产市场与美国市场之间存在相似性,但两者之间存在本质区别。本文通过深入剖析美国次贷危机发生的原因及传导机制,借以研究中国式次贷危机,避免重蹈覆辙。     

美国次贷危机对中国的影响及对策

美国次贷危机对中国金融业、进出口企业和房地产业都有深远的影响。随着我国开放程度的逐步加深，外部环境的变化直接影响我国的政策取向。我国目前应采取谨慎提高利率与汇率的政策，刺激内需，防范房地产市场的风险。     

Influence of real estate prices on domestic bank loans in Southeast Asia

This study examines whether and how fluctuations in real estate prices affected bank lending in Malaysia, Singapore, and Thailand before and after the 1997–98 Asian financial crisis. Since the crisis, it has been claimed that the rise and fall in the price of real estate, which is used as collateral, affected bank lending and the macroeconomy in these Southeast Asian countries. The study implements a dynamic model of bank lending and employs a test using the panel data of domestic bank balance sheets in order to estimate the influence of real estate prices on new bank lending in the three countries. The study also examines the conditions surrounding the role of real estate as collateral for bank loans in the countries. The regression results suggest that fluctuations in real estate prices can influence domestic bank lending and did so, especially after the crisis in Singapore and Thailand, and that domestic bank lending behaviour in these countries changed after the crisis.     

The Subprime Crisis and African Americans

There is a long history of unfair housing and lending practices in the United States and generally, African Americans have been disproportionately negatively impacted by these activities. In order to understand the current economic crisis and its impacts on African Americans, one must first explore the historical spectrum of discriminatory actions leveled against blacks in housing and mortgage lending. This paper discusses the recent subprime mortgage crisis and identifies the ways that African Americans were impacted. It provides an historical review of mortgage lending and housing discrimination and the role that public policy played in these practices. It then chronicles the subprime mortgage crisis and connects the consequences of lending policy run amok by targeting minority communities.     

金融危机下温州民营企业的挑战与机遇

由美国次贷危机演变成的全球金融危机,进一步侵蚀了实体经济,导致全球经济下滑,给温州的民营企业在市场环境、技术创新和发展方式等方面都带来了严重的挑战。是"危"也是"机",金融危机也迫使温州的民营企业必须进行产业升级,迫使它们加快建立现代企业制度等。     

全球金融危机下我国企业的经营对策

源于美国"次贷危机"引发了新一轮的全球金融危机,进而衍变为全球性的经济衰退。国内企业面临着成本增加、出口渠道受阻、国内需求不旺、信贷紧缩等多重压力,生存与发展步履唯艰。企业可采取战略调整、供应链管理、开辟新的市场、加强软环境建设等措施积极应对。     

美国储贷危机与次贷危机的比较分析

20世纪80年代至今的短短20多年,关国金融业先后爆发了以房地产市场泡沫破裂为导火索的储贷危机、次级抵押贷款危机,均不同程度地给美国乃至全球经济的运行和发展带来了不小的冲击。     

金融危机背景下中国房地产业信贷风险研究

由美国次级住房抵押贷款市场动荡引起的金融危机对全球金融市场产生了巨大的冲击。中国经济与世界经济的关联日益紧密,面对全球性经济金融风暴的到来,中国不可避免的受到影响。本文剖析了美国次贷危机的生成和发展机理,通过深入比较中国和美国的房地产市场特征,同时分析了近十年来中国银行业金融系统的资产及风险状况,最终得出了中国银行业发展基本保持平稳,房地产行业信贷风险可控的研究结论。     

金融危机对中国出口企业的影响及对策研究

始于美国的次贷危机现肆虐于全球各地,演变成60年以来最大规模的全球金融危机,不仅虚拟经济伤痕累累,实体经济也颇受拖累。我国改革开放30年以来,国内企业和经济已经与世界经济融为一体,那么在这场金融危机下,我国目前的出口企业状况如何,以及应该采取如何措施应对呢?本文从这一角度出发,初步提出了5个方面的建议:调整出口对象国,扩大国内市场营销,订单地区转移以及政府政策调整、企业战略规划。     

全球金融危机的根源及其启示

本次金融危机是发生在全球化背景下的生产过剩型资本主义经济危机。全球化带来了生产要素和生产力的全球扩张,同时也造成了全球性的贫富两极分化,引起有效需求不足和全球生产过剩。以美国为首的发达国家为了解决这一基本矛盾,利用金融、保险和房地产业的财富效应,盲目发展金融与房地产业,同时从新型工业化国家攫取储蓄的债务经济模式来刺激消费和投资,从而酿成世界经济的结构性失衡和祸及全球的泡沫经济。     

Not All Financial Crises Are Alike!

The United States has experienced many financial crises, but the Great Depression, the prolonged thrift crisis of the 1980s, and the most recent Great Recession stand out. In this paper, the focus is on the differences the three crises exhibited in terms of the economic environment leading up to each crisis, the effects on financial institutions and financial markets, and the policy responses and how those responses evolved. The post-World War I macro environment leading up to the Great Depression was radically different than either the inflation environment of the 1970s and early 1980s or the housing collapse and role that subprime lending played in the Great Recession. Additionally, the financial institution failure experience was different in all three crises, as were the regulatory and legislative responses that followed. Perhaps most striking are two important differences. In the Great Depression, many very small rural banks failed. In the 1980s, the first round of failures hit mainly thrifts followed by largely smaller regional and community banks. In the Great Recession, the nation’s largest institutions were the main ones affected. Second, the runs on the institutions were also significantly different.     

金融结构变迁中的金融风险演化

鉴于美国次级债危机造成的损失正在金融市场上扩散,本文对金融结构变迁中金融风险的演化机制进行了分析,指出这次美国次级债危机是缺乏有效风险管理的必然结果。并提出了应该在世界范围内建立统一有效的风险管理机制的建议。