An Analysis of Risks Attributed in Personal Housing Mortgage Loans in China and the Subprime Mortgage Loans in America

With the rapid development of personal housing mortgage loans in China,the U.S.subprime mortgage market is crisis ridden.Comparing the crisis with the mortgage loans market,we analyze the U.S.subprime mortgage crisis and put forward some methods to prevent the crisis in China.Firstly,we should improve our credit analysis system of banks.Secondly,the government should carry out the policies to regulate the personal housing mortgage loans market.Finally,we should build our own housing security system.