金融货币毕业论文英文

Abstract:The real estate class loan has become a most important founds of a bank; its loan quality will have the profound influence to banking industry's profit and the risk condition. Our country real estate market financing by bank indirect financing primarily, the market risk concentrates excessively in the bank system, take the Guiyang Jinyang newly developed area for example, its real estate market superheat, the house price increase scope is big, has certain market risk; The fluidity too much accumulated the more and more many real estate froth; “False mortgage” and so on operation risk also wide range existences; Moreover, continues the interest on futures 2006 to 2007 to cause the home-buyer each month of payment pressure to increase causes individual violation risk rise, but in 2008 because loan crisis affect, the central bank reduces the interest rate continuously, although is advantageous in the jinyang newly developed area real estate market changes for the better, but this international financial crisis brings the indefinite influence is still unoptimistic.We should adopt the measure suppression credit impulse, the standard loan behavior; the perfect internal control strengthens exterior supervising and managing; and uses the financial innovation dispersible bank risk. Key words: Jinyang newly developed area real estate market housing mortgage loan risk guard finance innovation

July 2007 broke out in America's subprime crisis, to the American economic developemnt causing disastrous loss, etc, while also through the global financial conduction mechanism, the rapid propagation, spread to other mature and emerging market economies. Developed countries jointly taken interest rates of monetary policy and to financial institutions into a large amount of money to a series of measures and ways to ease the subprime crisis caused by the international monetary tightening situation. Today, the us subprime mortgage crisis may be moderate, but global economic form is still severe, the its profound impact are increasingly prominent. It is not just the global economy, the subprime crisis also in to the car, transportation, the international energy field and other economic entity fields spread. Our country as emerging market economies, the inevitable in foreign trade, the stock market, overseas investment etc by the influence of different level. Based on financial risk financial crisis theories as the foundation, study the subprime crisis to our export trade influence, promote the domestic financial system reform, but also on macroeconomic adjustment immediate effect. This paper is divided into four parts: The first part is the financial risk and financial crisis of basic theories. Mainly system elaborated the subprime crisis, the definition, cause, conduction mechanism, and the consequences, based on the theory of financial crisis to research and analysis. The second part is a summary China's export trade status, use the relevant international trade theory analysis of China's export trade advantages and disadvantages. The third part analysis the subprime crisis to our export trade influence, The fourth part to dig deeper into the subprime crisis lessons. Keywords: the subprime crisis; Financial risk, Export trade