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The subprime mortgage crisis on international business impact mechanism of China 's commercial banks and Countermeasures

Author: ZhaoHai
Tutor: WangJing
School: Southwestern University of Finance and Economics
Course: Business Administration
Keywords: Subprime mortgage crisis China 's commercial banks International business Influence Mechanism Countermeasure
CLC: F832.2
Type: Master's thesis
Year: 2009
Downloads: 121
Quote: 0
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Abstract

February 13, 2007, HSBC Holdings announced the increase in the provision for bad debts of $ 1.8 billion of its subprime loans issued in the United States, officially opened the veil of the sub-sub-prime crisis. Subprime mortgage itself is not sinful, just a normal bank mortgage loan products, but its underlying assets to create far more than its own scale of financial derivative products, has become the fuse of the crisis . Due to the leverage of financial derivatives, the subprime mortgage default loss is to quickly zoom in and quickly caught the extreme volatility of the stock market, bond market, foreign exchange market, commodity futures market, participate in related financial derivatives investment losses of financial institutions into a liquidity crisis, a large number of banks, credit loss. Financial market financing function lost due to troubled financial institutions, financial institutions liquidity crisis into the real economy of the liquidity crisis. As Europe and the United States and other major economies, rising unemployment, shrinking consumer demand, a large number of enterprises operating difficulties, the real economy is rapidly sliding into recession. Since the outbreak of the sub-prime mortgage crisis has had a profound impact on the global economy, living in the tide of globalization of China's economy was not spared. Specific to China's commercial banks, bear the brunt of its international business. With the volatility of the market of the sharp decline in international trade and cross-border investment, exchange rates, interest rates and oil, non-ferrous metals, minerals and other commodities, which the existing international business of commercial banks in China to the survival and development of the internal and external environment has undergone tremendous changes in this strategic banking facing huge impact. And as governments unveiled a huge amount of economic rescue and stimulus programs, has brought new opportunities and challenges for the future development of the international business of commercial banks in China. How by timely management countermeasures adjustment, take the initiative to deal with the crisis, and the effective use of their own advantages, turn \With the development of the sub-prime crisis, the subprime crisis impact on the economy and Countermeasures gradual deepening, but the research is mainly focused on the macroeconomic direction, part of the study is the overall business impact of the subprime crisis on banks countermeasures, the international business of commercial banks in China and Countermeasures relatively small. This paper tries through the analysis of the subprime crisis macroeconomic change and international business indicators of China's commercial banks, combined with the author of international business experience, the sub-prime crisis on China's economic and commercial banks in China International Business affect the transmission mechanism for systematic analysis and research. Then combined with the main types of international business of commercial banks in China, the business model and the risk-benefit impact on the extent of the specific business-depth study, and further that the principal risks of the business in the subprime mortgage crisis point. The end of the paper, the subprime mortgage crisis opportunities and challenges faced by the international business of commercial banks in China as well as specific responses were analyzed and constructive comments on the future direction of development of this business from a strategic height.

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