| 美国次级房贷危机及其经济影响 |
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| 引用本文： | 杨丽花.美国次级房贷危机及其经济影响[J].云南财贸学院学报,2007,23(6):34-38. |
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| 作者姓名： | 杨丽花 |
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| 作者单位： | 中国政法大学商学院 北京102249 |
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| 摘 要： | 2006年,美国次级抵押贷款的违约率急剧上升,尤其是可变利率抵押贷款的违约率很高,美国次级房贷危机仍在蔓延。对美国次级房贷市场是如何发展起来的、次级房贷危机的起因及其对美国经济的影响进行了阐述,着重从次级房贷危机对金融机构、房屋持有者、建筑商和售房代理的影响三个层面加以论述。认为,次级房贷危机对美国经济的影响有限,美国的创新活动仍然非常活跃,美国经济很快可以渡过调整期,走向繁荣。
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| 关 键 词： | 次级抵押贷款 可变利率抵押贷款 次级房贷危机 |
| 文章编号： | 1007-5585（2007）06-0034-05 |
| 收稿时间： | 2007-10-12 |
| 修稿时间： | 2007年10月12 |
Subprime Mortgage Crisis and Its Economic Influence |
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| YANG Li-hua.Subprime Mortgage Crisis and Its Economic Influence[J].Journal of Yunnan Finance and Trade Institute,2007,23(6):34-38. |
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| Authors: | YANG Li-hua |
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| Abstract: | The default rate of the subprime mortgage in the U.S.sharply increased in 2006,especially the rate of adjustable rate mortgage,and the subprime mortgage crisis is spreading in the America.The paper reviews the history of the subprime mortgage market,the origin of the crisis and its influence on American economy.The author focuses on the discussion of the influence of the crisis on three levels including financial institutions,house keepers,house designers and house selling agents.The results show that the influence of the crisis on American economy is limited.Economy of the U.S.will be prosperous in the future for its continuous innovations. |
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| Keywords: | Subprime Mortgage Adjustable Rate Mortgage Subprime Mortgage Crisis |
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