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来源：百度知道 编辑：UC知道 时间：2024/06/17 23:22:31
震惊世界的美国“次贷危机”是进入21 世纪以来美国面临的最大的金融危机。这场危机肇始于美国房市泡沫破裂,并随房市继续向下探底而呈逐步升级和扩散之势。当华尔街雷曼兄弟的破产，房利美和房地美被强行“国有化”，美林被收购，高盛、摩根士丹利变身转型，花旗银行等金融机构损失惨重，这些噩耗传来，美国金融危机也正在扩大其影响力，并逐步发展成为全球的金融危机。而金融危机、次贷危机也在一时间成为人们讨论的热门话题。美欧经济增长持续低迷是金融危机的根源，而次贷危机就是金融危机的导火索。从宏观来看，是美国近些年来过于宽松的货币政策和信贷政策酿成的苦果；从金融层面上讲，金融创新、金融衍生工具的滥用起到了推波助澜的作用。
本文剖析了美国次贷危机的成因和本质，探寻房地产信贷与房地产泡沫形成的联动效应，从次贷危机发生以来波及全球的一系列事件来解释本次金融危机的形成机制和演化过程。最后通过两房案例进一步阐述了次贷危机愈演愈烈的情形，进而从中得到的启示。
In the 21st century since world-shaking US “the loan crisis” enters the biggest financial crisis which the US has faced. This crisis initiates in the American housing market froth bursts, and continues along with the housing market to search the bottom to assume the escalate and the proliferation potential of downward. When the Wall Street Brother Leiman bankruptcy, room Libya and US and the room US by “the nationalization”, Merrill Lynch is purchased forcefully, excellent, Morgan Stanley changes body reforming, financial organ losses and so on Citibank is serious, these sad news announce, the US financial crisis is also expanding its influence, and develops into the global financial crisis gradually. But the financial crisis, the loan crisis also become the hot topic of discussion which in time the people discuss. The US-Europe economic growth continues murky is financial crisis's root, but the loan crisis is financial crisis's blasting fuse. Looking from macroscopic, is bi