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《Journal of Chongqing Industry & Trade Polytechnic》 2009-03
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Documental Research on the Reason of America Subprime Mortgage Crisis

Li Xiao-li (Chongqing Industry & Trade Polytechnic,Fuling,Chongqing,408000)  
After the burst of cyber-economy easier monetary policy makes liquidity become sufficient, and thus it contributed to the sustained prosperity of the American real estate market. The subprime mortgage which was designed by taking the borrower’s credit terms into consideration has great dependences towards liquidity. Its payment ensurance not based on the clients’ own repayment ability. Due to the rising delinquency rate,this deficiency makes it bred crisis under the situation of interest rates rise and the real estate market downturn. Changes from loose to tight monetary policy directly results in the subprime mortgage crisis. Because of the Wall Street and rating agencies’ greed and moral deficiency, it has a direct relationship towards the subprime mortgage crisis. And the main reason of the subprime mortgage crisis is moral deficiencies which is driven by benefits. Moreover, low saving rate and irrational overdraft consumption propel the subprime mortgage crisis.
【Fund】: 重庆市教委2009年度人文社会科《华尔街金融风暴与完善我国金融体系的研究》的研究成果之一。课题负责人:杨建平 项目组成员:李晓莉、张怀国、刘天泉、高淑桃、李政军项目编号:渝教宣[2009]9-09SKS14
【CateGory Index】: F837.12
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1 CHEN Liu-qin (Urban Economy Research Institute of Tianjin Academy of Social Science,Tianjin 300191,China);Evaluations on American Financial Supervision System Reform from the Angle of Financial Crisis[J];Journal of Beihua University(Social Sciences);2009-04
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3 GU Hua-xiang (College of Law and Economics,Xinjiang Normal University,Urumqi 830054,China);The Deep Level Structure Reason of the Financial Crisis in Theory and the Legal Countermeasures Perfection[J];Journal of Chongqing University(Social Science Edition);2009-04
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