摘要
次贷引发的金融危机波及美国实体经济之后,再次蔓延到消费领域,美国信用卡行业由于次贷危机的不断深化和长期奉行的消费主义受到强烈的冲击。伴随着信用卡债务的膨胀和信用链条的断裂,金融机构将面临着堆积如山的坏账进而可能酿成继次贷之后的又一场风暴。在此背景下,美国银行层面及时对信贷消费进行风险控制、信用卡运营商采取相关的措施以及监管当局所施行的一系列修补政策将有效干预信用卡危机。因此,充分借鉴美国对信用卡危机的干预机制,未雨绸缪,是避免我国信用卡危机的根本所在。
After the financial crisis caused by the subprime lendings has involved the American object economy, the crisis again has extended into the consumption area. As a result, the American credit industry has been seriously struck by the continued worsening of the subprime lendings and the long - term performance of the consumerism. With the inflation in the American credit card debts and the breakup of the credit chains, the financial crisis will be faced with the increasing bad accounts. Under such a condition, American banks at all levels have accordingly taken some measures to control the risk the consumption. Besides, the measures made by the credit card merchants and a series of revision strategies by the local authorities will effectively disturb the credit card crisis. Therefore, for the future, we should make full use of the American disturbance mechanism on the credit card crisis, We can avoid the credit card crisis in our country.
出处
《哈尔滨商业大学学报（社会科学版）》
2010年第2期18-22,共5页
Journal of Harbin University of Commerce:Social Science Edition
基金
广东金融学院2009-2010年度课题
关键词
次贷危机
信用卡危机
风险控制
subprime lending crisis
credit card crisis
risk control
