美国次级抵押贷款危机对银行业改进的启示

美国次贷危机促使银行业积极应对房地产周期性调整,改进风险管理框架,进一步加强表外关联机构管理,优化区域布局.美国次贷危机对于中国银行业的警示作用大于直接影响.中国商业银行应当认识到房价快速上涨会掩盖大量的风险,应当重视房地产周期性调整风险,尤其是房地产信贷业务的信用风险、操作风险、政策性风险以及突发性事件引发的系统性风险,谨慎推进金融工具创新,专注于核心业务增长,优化区域布局,提高中国银行业的整体经营水平及抵御国内经济周期的实力,完善金融监管协调机制.

Enlightenment on Chinese Banking Improvement from the American Sub-prime Mortgage Crisis

The American sub-prime mortgage crisis stimulated the local banking to actively respond to real estate industry's cyclic adjustment, improve the framework of risk management, strengthen the management on related off-balance-sheet institutions and optimize the regional layout. For China, American sub-prime mortgage crisis is a warning rather than obviously direct impact. House price's rapid rising will cover a multitude of risks, so Chinese commercial banks should pay more attention to the risks triggered by...