本文選題：資產(chǎn)證券化 + 次貸危機��； 參考：《四川師范大學(xué)》2014年碩士論文

【摘要】：2007年末，一場新的經(jīng)濟危機，也即次貸危機，，在美國突如其來地爆發(fā)了。當(dāng)今世界，世界各國聯(lián)系日益密切且各國的市場也更加開放，這場危機不僅引起了美國國內(nèi)經(jīng)濟的衰退而且在全世界范圍內(nèi)引起了一輪經(jīng)濟的普遍倒退和恐慌。人們在審視此次次貸危機時，對資產(chǎn)證券化這項金融創(chuàng)新也從不同角度和層面對其進行認(rèn)識。資產(chǎn)證券化與次貸危機的關(guān)系如何，如何在以后的經(jīng)濟中更好地利用這項金融工具，如何在以后的經(jīng)濟發(fā)展過程中規(guī)避和防范金融危機。在此背景下，對資產(chǎn)證券化和次貸危機關(guān)系的分析研究顯得更加有意義。 本文分五章來分析和研究資產(chǎn)證券化與次貸危機的關(guān)系。第一章主要介紹了研究和意義及研究所采用的方法等，并對現(xiàn)有的資產(chǎn)證券化和次貸危機的理論進行了闡述。第二章講述了資產(chǎn)證券化與次貸危機的基本理論，并重點介紹了明斯基的金融不穩(wěn)定論。第三章論述了資產(chǎn)證券化現(xiàn)狀及其風(fēng)險收益分析，并在其中對比了我國與美國資產(chǎn)證券化市場的不同發(fā)展階段及現(xiàn)狀。第四章在金融不穩(wěn)定論的基礎(chǔ)上論述了資產(chǎn)證券化與次貸危機的關(guān)系。首先給出次貸危機的五個發(fā)展階段，并通過分析得出資產(chǎn)證券化是次貸危機中風(fēng)險的累積和傳導(dǎo)的路徑載體，并進一步指出美國家庭收入差距過大引起中低收入家庭的過度消費導(dǎo)致的美國家庭收入和債務(wù)的不對等，這種經(jīng)濟的內(nèi)在不穩(wěn)定才是此次次貸危機的根源。第五章主要論述對我國資產(chǎn)證券化市場發(fā)展的啟示。本章在介紹發(fā)展我國資產(chǎn)證券化市場必要性的基礎(chǔ)上，提出發(fā)展和完善我國資產(chǎn)證券化市場的體系、制度以及抵御風(fēng)險的能力。
[Abstract]:At the end of 2007, a new economic crisis, that is, the subprime crisis, broke out suddenly in the United States. Today, the world has become increasingly close and the markets of all countries are more open. This crisis not only caused the recession in the United States, but also caused a general recession and panic in the whole world. When examining the subprime crisis, the financial innovation of asset securitization is also understood from different angles and layers. How is the relationship between asset securitization and the subprime crisis, how to make better use of this financial tool in the future economy and how to avoid and guard against the financial crisis in the process of future economic development. Next, it is more meaningful to analyze the relationship between asset securitization and subprime mortgage crisis.
This article is divided into five chapters to analyze and study the relationship between asset securitization and the subprime crisis. The first chapter mainly introduces the research and significance and the methods used in the research, and expounds the existing theory of asset securitization and the subprime crisis. The second chapter describes the basic theory of asset securitization and subprime crisis, and focuses on the introduction of the basic theory. The third chapter discusses the current situation of asset securitization and its risk income analysis, and compares the different stages of development and status in the market between China and the American asset securitization. The fourth chapter discusses the relationship between asset securitization and subprime crisis on the basis of the theory of financial instability. First, the subprime crisis is given. The five development stage, and through the analysis that asset securitization is the path carrier of the accumulation and transmission of the risk in the subprime crisis, and further points out that the excessive household income gap in the United States causes the unequal family income and debt caused by the excessive consumption of the middle and low income families, which is the internal instability of the subprime mortgage. The root of the crisis. The fifth chapter mainly discusses the enlightenment to the development of China's asset securitization market. On the basis of introducing the necessity of developing China's securitization market, this chapter puts forward the system of developing and perfecting our country's asset securitization market, the system and the ability to resist the risk.

【學(xué)位授予單位】：四川師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F831.5;F832.5

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