美国次贷危机的主要原因是,房地产次级贷款转化为次级债券以后,被包装成各种金融产品,由于这些金融产品没有一个规范的交易市场,为各种分散的个人和缺乏监管的机构所经营,形成了极为混乱的金融市场,使风险不断升级。因此,从全球范围看,在银行与投资者及金融产品消费者之间建立一个有效的金融产品交易 The main reason for the subprime mortgage crisis in the United States is that after the real estate subprime loans are converted into subordinated bonds, they are packaged into various kinds of financial products. Because these financial products do not have a regulated trading market, they are widely used by diversified individuals and institutions without supervision Operated, the formation of a very chaotic financial markets, the risk escalating. Thus, globally, an effective trade in financial products between banks and investors and consumers of financial products