次贷解决之道：当今全球经济危机的源起及对策

中文字数:5194,中文页数:6  英文字数:2547页数:8

Robert Shiller

 By now the whole world has heard the story of the problems in the subprime mortgage market, which began to show up in the United States in 2007 and then spread around the world. Home prices and homeownership had been booming since the late1990s, and investing in a house had seemed a sure route to financial security and even wealth.
 U.S. homeownership rates rose over the period 1997–2005 for all regions, all age groups, all racial groups, and all income groups. According to the U.S. Census, the homeownership rate increased from 65.7% to 68.6% (which represents at least a 4.4% increase in the number of owner-occupied homes) over that period. The increases in homeownership were largest in the West, for those under the age of 35, for those with below-median incomes, and for Hispanics and blacks.

 迄今为止，全世界都了解了关于次贷市场所存在的问题，它于2007在美国初现端倪，然后迅速蔓延到全球。从上世纪90年代后期开始，住房价格迅速上升，投资房产似乎成为了资产保值，甚至走向财富的必然途径。
 在美国的各个地域、各个年龄人群、各个种族、各个不同收入群体的人们中，其住房自有率从1997年—2005年，一直处去上升阶段。根据美国的人口普查显示，在这个时期，住房自有率从65.7%上升到了68.6%（这表示住房自有率至少以4.4%的增幅在上升）。对于那些年龄处在35岁以下的、中低收入的以及西班牙裔和黑人们，这种增幅都是整个西方最大的。

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