摘要:美国次贷危机的全面爆发引发了全球性的金融危机，文章首先从美国商业银行在次贷危机所扮演的角色探讨了此次危机爆发的原因，认为其主要原因为审核贷款资格过度放宽、金融衍生工具的产生放大了风险以及信贷扩张速度过快，次级贷款的风险转移更让危机加深。其次提出该次贷危机为改革中我国商业银行风险管理带来众多值得思考的问题：加强商业银行按揭贷款风险管理；理性地对待金融创新；强化预警机制，加大金融监管力度。再次分析随着我国经济进入后危机时代，我国商业银行风险管理面临着泡沫经济与信贷风险并存、信贷高增长与高不良率并存、房贷利率和房价风险并存以及利差缩小，市场风险增加的挑战。最后据此探讨后危机时代我国商业银行加强风险管理的策略，认为应该培育良好的风险管理文化、努力化解不良贷款、调整信贷结构，促进二级市场的有效发展，这对于加强商业银行的风险控制，提高银行的综合竞争力十分必要。
关键词：次贷危机，商业银行，后危机时代，风险管理
Abstract:The U.S. subprime mortgage crisis triggered a global outbreak of comprehensive financial crisis.First this paper from the role played by American commercial Banks in the subprime mortgage crisis discussed the reasons of outbreak, the main reasons are considered excessive relaxing loan qualification excessive, amplification the risk because of Financial tools produce and credit expansion too quickly , even risk transfer of subprime loans more let crisis deepened. Second the subprime mortgage crisis for reform in our country commercial bank risk management brought many question, we should learn more lessons from the crisis:to strengthen business bank mortgageloan risk management;Rationally treat financial innovation;strengthening the early warning mechanism and strengthening the financial supervision. Third along with our country economy entering into post -crisis world,our country commercial bank risk management faces some challenges, for example the coexist of bubble economy and the credit risk ,the coexist of credit growth and high scrap rate,the coexist of mortgage rates and house price risk,spreads narrow and market risk increasing. last this article discusses measures of enhancing risk management that our country commercial banks should take in the post -crisis era . We should cultivate a good risk management culture, and dissolve the non-performing loans, credit structure adjustment, and promote the development of the secondary market effectively.It is necessary to strengthen the commercial bank risk control and to improve the comprehensive competitiveness of bank.
Key Words：Subprime mortgage crisis，Commercial Banks，Post Financial Crisis Era，Risk management
次贷危机是对现代风险管理技术发展的一次沉重打击，但它不会改变现代风险管理发展的基本趋势，更不会阻碍现代风险管理的继续发展。次贷危机让人们回到对风险管理发展正确认识和审慎应用的轨道，从而更加稳健地增加经济体系整体的风险承担能力和系统的稳定性。进入后危机时代，世界各国的商业银行在对之前的经营和监管进行反思的同时，也积极探讨后危机时代商业银行如何在保证资产安全的前提下扩大收益，实现可持续发展。我国各商业银行应在吸取全球金融危机经验教训的基础上，从我国银行风险管理现状和各自的管理实践出发，积极采取有效措施，实现对风险的有效管理和规避。
