A subprime mortgage crisis the reflection of real estate finance system design, new home loans, home loan application

A subprime mortgage crisis:
will curb property bubble and control the bank risk combined. When real estate development, management, consumption activities are dependent on commercial bank loans, the real estate market and commercial Banks will be a glorious all glory, broken. In order to reduce the real estate market fluctuations on the negative effect of the commercial Banks, in real estate financing mode and strengthen the change innovation at the same time, still need to pay attention to strengthening the commercial Banks internal control, defend the loan quality decreased. Reform of all housing accumulation fund organization and management system, and the formation of a government as soon as possible support of residential mortgage bank and residential mortgage securitization institutions to mortgage loan is imminent.