2011申论热门剖析：断供题目及对策91755(国外英语资料).docVIP

2011申论热点剖析：断供问题及对策91755(国外英语资料) Recently, the Shenzhen housing prices fell, many people found the house value decline, owed banks purchase loan amount even more than the market price to sell the house now, some owners choose to throw the house to the bank, no longer repay bank loans. The house broken triggered the subprime crisis in the United States, the global economy. The same is off for, this time will lead to Chinas mortgage crisis? In recent months, Shenzhen housing prices declined significantly, some real estate prices fell more than the down payment, so that the total amount of non payment exceeds the current market price, so there has been off supply phenomenon. Due to the U.S. subprime mortgage crisis warning, therefore, the social from all walks of life for the Shenzhen property market in the default phenomenon, given the widespread concern. First, what is the off supply phenomenon? Broadly speaking, as long as the mortgage borrowers no longer pay the remaining mortgage loans to the banks, that is off the line. The subject of the mortgage can be an individual or an enterprise; the object of the mortgage may be property, or it may be a car. There are a lot of reasons lead off for the borrower may be due to the deterioration of the economic situation and the inability to repay the loan, may be paid desire to change, such as changes in the market, the market value of the collateral is insufficient to pay the remaining mortgage and select default etc.. As an economic phenomenon, in fact, break for supply has always existed. How much economic impact it will have, depending on the industry, scope, and degree of the industry. It should be pointed out that the current real estate in the field of off for phenomenon, will not lead to Chinese style subprime mortgage or Shenzhen type subprime mortgage problem, nor is it sufficient to trigger a widespread financial crisis. Two, broken offering phenomenon analysis First of all, the current housing off supply phenomeno