摘要美国、澳大利亚等国的金融机构不断爆出因次级债风暴受损严重而停止赎回或申请破产保护，全球的股市也持续大幅下挫，次级抵押贷款市场危机似有愈演愈烈之势，胜似洪水猛兽。美国次贷危机的爆发引起了世界范围内金融市场的剧烈动荡,虽然对我国金融市场直接影响不大,但其造成的间接影响却不容忽视。鉴于我国目前房地产信贷市场存在类似问题,我们应该汲取这方面的教训,反思可能存在的金融风险。本文分析了美国次贷危机爆发的原因以及次贷危机对我国房地产市场及房贷的影响，并在此基础上得出我国房贷市场存在的问题,并提出了降低房贷风险的启机产生的原因启示。关键词：次贷危机；房地产；房贷市场---本文来源于网络，仅供参考，勿照抄，如有侵权请联系删除---AbstractTheUnitedStates,AustraliaandothercountriesareoutoffinancialinstitutionscontinuetosufferaseriouscrisisbecauseofSubordinatedDebtandthecessationofredemptionorfiledforbankruptcyprotection,theworldhascontinuedtoplungeinthestockmarket,subprimemortgagemarketcrisismaybecomeworse,increasinglyascourge.Americasub-loancrisisledtotheoutbreakoftheworld'sturbulentfinancialmarkets,thoughadirectimpactonChina'sfinancialmarkets,butitsindirectimpactscannotbeignored.Inviewofthecurrentrealestatecreditmarketinourcountryhasasimilarproblem,weshouldlearnfromthislessonandreflectonthepossiblefinancialrisks.ThispaperanalyzestheAmericasub-loancrisisreasonsforthesub-primecrisisonChina'srealestatemarketandtheimpactofmortgage,proposedtoreducetheriskofmortgageKaimachineInspirationcausesonthebasedtheexistenceofChina'smortgagemarketproblems.Keywords:Sub-loancrisis;realestate;mortgagemarket---本文来源于网络，仅供参考，勿照抄，如有侵权请联系删除---目录摘要.................................................................................................................................IAbstract..........................................................................................................................II引言................................................................................................................................1一、美国次贷危机的产生............................................................................................1（一）房贷的低门槛..............................................................................................1（二）21世纪美国宽松的政策给了房地产泡沫经济空间.................................2（三）低息下次级房贷衍生产品的较高回报率..................................................2（四）部分美国银行和金融机构违规操作..........................................................2二、我国房贷市场发展现状及存在的问题................................................................3（一）对按揭者的资信审查不够..........................................................................3（二）商业银行也存在追求利润,过度放贷的现象............................................3（三）房地产未来走势不定..................................................................................3（四）住房按揭贷款的证券化水平不高..............................................................4（五）缺乏大量、持续、稳定的长期资金供给..................................................4三、次贷危机对我国房贷市场的启示........................................................................4（一）严格把好信贷审查关..................................................................................5（二）建立持续、科学、规范的金融监管体系..............