次贷危机对中国银行业的影响.doc

摘要无论是美国、欧洲,还是新兴市场国家,“次贷危机”或许是最近半年多来各国金融市场上最耳熟能详的“时髦”字眼。从2007 年8 月美国次贷危机全面爆发至今已经历时一年多,由于美国楼市的低迷,造成银行坏账,进而使关联的次级债券贬值,最终让很多购买这些债券的全球投资银行亏损巨大,甚至是破产。 2008 年9月开始,次贷危机逐步恶化,“房地美”和“房利美”被美国政府强行接管,投资银行雷曼兄弟申请破产,美林被收购,高盛和摩根史丹利转型为银行控股公司,美国最大储蓄银行华盛顿互惠银行被收购,次贷危机更引发了新一轮的全球金融动荡,欧洲银行业也陷入恐慌和动荡之中,世界各国政府纷纷被迫采取提高存款保险,动用巨资向银行注资等办法出手施救,次贷危机进一步演变为全面的全球金融危机。因此,我们应该认清次贷危机以及其对中国银行业带来的影响,从而制定有效的应对策略,不仅能够更好地应对此次危机带来的冲击,而且可以使中国银行业在发生着重大变化的世界银行业格局中占据有利地位,为实现长远、持续、快速发展奠定坚实的基础。关键字: 次贷危机、银行、投资 Abstract Whether the United States, Europe, oremerging market countries, "subprime crisis" isperhaps the last six months tothe world's financial markets the most familiar ofthe "fashionable" words. From August 2007 the . sub-prime mortgage crisis has sofar lasted more than ayear, the . property market downturn, resulting inbad debts, thereby enabling the associated depreciation ofsubordinated bonds, and finally let alot ofbuying these bonds, ahuge global investment bank losses, oreven bankruptcy. September 2008 began, the gradual deterioration of the subprime crisis, "Freddie Mac" and "Fannie Mae" bythe . government forcibly took over the investment bank Lehman Brothers filed for bankruptcy, Merrill Lynch acquired, Goldman Sachs and Morgan Stanley transformed into bank pany, the largest . savings bank Washington Mutual Bank was acquired more subprime mortgage crisis triggered anew round ofglobal financial turmoi