美国次贷危机对国内银行经营管理的启示

该文剖析了美国次贷危机的发生及其影响．并深入分析了美国次贷危机对国内银行经营管理的启示，认为国内的银行必须关注绩效激励的逆向选择、不要懈怠贷前尽职调查、不要过分依赖第二还款来源、营销手段应适度以及不应过渡迷信风险转移等。

US subprime crisis:Implications for domestic banks' operation and management

With an analysis of the US subprime mortgage crisis and its impact, this paper points out the implications of the crisis for the operation and management of Chinese banks. According to the author, domestic banks should pay attention to the adverse selection of performance incentives as well as the due diligence investigation before granting a loan. Besides, a bank should not depend too much on the secondary source of payment and risk transfer; and marketing should be aggressive but reasonable.