由于美国房价下跌及房贷违约率的上升,美国次级债风波席卷全球。自去年7月中下旬以来,全球主要指数都经历了较大幅度的调整,我国A股市场也受到了波及。显然,美国次级债危机引起金融风暴全球共振之际,我们更加引以为戒,反思中国房地产金融风险。本文在剖析美国次级债危机的基础上,分析中国房地产金融现状与问题,并提出一些化解风险的措施 Due to the drop of U.S. house prices and the rise of mortgage default rates, the U.S. subprime crisis has swept the world. Since mid-to-late July last year, the major global indices have undergone a drastic adjustment. The A-share market in China has also been affected. Obviously, as the U.S. subprime crisis causes global resonance in the financial turmoil, we take a more precautionary approach and reflect on the real estate financial risks in China. Based on the analysis of the subprime crisis in the United States, this article analyzes the current situation and problems of China’s real estate finance and puts forward some measures to resolve the risks