Study on Loan Crisis in America and the Risk of Commercial Bank in China

• 1、 Department of Applied Economics,Hohai University, Nanjing, PRC

Abstract：Since that real estate, which can bring huge profits to banks, has some characteristics like large amount of assets, the ability of maintaining value, and the clear property rights mechanism, it has already been become the most powerful collateral tool to the loan of commercial banks. On the background of the rapid growth of real estate investment and the flourish of real estate industry in China in other years, commercial banks have input a large number of capital in the bussiness scope of real estate. However, because of the single financing channels, commercial banks are becoming the main bearer of financial risks of real estate. The risk continues to accumulate in the period of economic expansion, it will be extremely dangerous once the economic recession happens, and the risk will rapidly spread to the entire financial system and will influence the stability and development of the national economy. Therefore, it is positive to discuss the real estate mortgage loans of the banking risk control in the cyclical fluctuations.U.S.loan crisis being intensified become the focus of attention of global investors recently. Although China has not yet taken place at loan-to-crisis conditions, the trouble is that we remain vigulant in peace time sounded the alarm. This paper analyzes on U.S.loan crisis and the credit status of the problem of China’s commercial banks, and proposes revelant recommendations at last.

Keywords： Loan Crisis Commercial Bank Risk