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本篇paper代写- The cause of financial crisis讨论了金融危机的起因。金融危机爆发的起因是房价泡沫，这是由于危机前房价的大幅上涨导致的。由于美国公民的低利率和过度消费习惯，住房的兑换规模非常大。信贷杠杆增加了系统风险和违约风险。在此期间，大量资金被借给了信贷低、收入和就业情况有限的人，这表明次级抵押贷款市场存在巨大的违约风险。危机的迅速扩大也与监管不力和金融自由化有关。当时，有很多影子银行在没有监管的情况下成长起来，许多衍生品市场也受到较少监管。因此，由于创新金融机构的存在，政府的监管和政策对制度风险的监管并不有效。此外，国际合作阻碍了金融危机的蔓延存在滞后，这也导致了全球危机的迅速发展。本篇paper代写由51due代写平台整理，供大家参考阅读。

Introduction

Subprime mortgage crisis, also known as the subprime mortgage crisis, is a financial crisis that occurred in the United States. Due to the collapse of subprime mortgage institutions, investment funds were forced to close and the stock market produces the huge volatility. In 2005-2006, U.S. real estate bubble burst, triggering the subprime crisis. In September 2008, the financial crisis spread to the world's major financial markets, such as the European Union and Japan.

Cause and evolution of financial crisis

House price bubbles- One of the causes for the financial crisis is the house price bubbles. This mainly refers to the sharply increased house prices before the crisis. It is found the price increased by about 30 percent during this time, which led to rapid increasing credit from financial institutions (mainly Fannie Mae and Freddie Mac).In U.S., citizens can apply to the lenders the housing mortgage loans. The lenders then use the loans as the assets to sell the two companies, which is called asset-backed security (ABS). Due to the low interest rate and excessive consumption habits of U.S. Citizens, the exchange scale of houses is very large. The increased credit leverage increased the systematic risk and default risk. In 2005, American house prices reached record highs and began to fall after that. At the same time, the federal reserve continues to raise interest rates to curb inflation, which increased the buyers’ repayment burden. The subordinated debt has shrunk dramatically and gradually evolved into the so-called financial crisis.

Subprime mortgage- The decline of lending standards is another important cause that leads to the crisis. The typical is the subprime mortgage market. During that time, a large number of funds were lended to those people with low credit and limited income and employment situations. The indicates huge default risk for the subprime mortgage markets. 

The fundamental sign of the financial crisis is that Lehman brothers bank announced bankruptcy in September of 2008. With the global financial stocks collective diving, the world falls into anxiety and panic.

Poor regulation- The rapid expansion of the crisis is also related to the poor regulation and financial liberalization. At that time, there were a lot of shadow banks which grown without oversight. Many derivative markets were also less regulated. Therefore, the government’s regulation and policy is not effective in regulating the system risks due to the innovation financial institutions. In addition, the international cooperation to hinder the expansion of financial crisis had a lag, which also led to the rapid development of crisis globally.

Conclusion

In conclusion, the U.S. financial crisis is intuitively the outbreak of the subprime crisis. The study found that the causes of the deep level is the international standard and the economy virtualization. U.S. long-term implementation of the "double deficit" policy and the U.S. economy excessive virtualization is the root cause of the financial crisis.

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