次贷危机及其启示

美国次贷危机发展到今天，已经演变成为百年一遇的金融风暴，华尔街五大投行中两家倒闭、一家被收购、两家改组为银行控股公司，就连全球按资产计算最大的保险公司——美国国际集团（AIG）以及占据美国抵押贷猷市场半壁江山的“两房”也难逃被政府接管的命运。最近美国政府采取了大搜摸的救市行动。美国金融风暴的主要导火索是次贷危机，有必要重新审视次贷危机产生的原因及其启示。

Sub-loan Crisis and Its Inspiration

The loan crisis of the US has become a once-in the evolution of the financial crisis, the five major Wall Street investment bank in the closure of the two, was an acquisition, the two banks for the restructuring of the holding company, and even the world by assets Calculation of the largest insurance company American International Group （AIG）, as well as the United States to occupy half of the mortgage market, ＂two rooms＂ have been able to escape the fate of the government to take over. Recently, the U.S. government has adopted a large-scale operation to rescue the market. The financial turmoil in the United States, the main fuse in the loan crisis, it is necessary to re-examine the sub-loan crisis.