2007年4月,以美国第二大次级抵押贷款公司——新世纪公司申请破产保护为开端,美国次级抵押贷款的风险开始显现,并迅速向以次级抵押贷款为支持的各类证券化产品的持有者转移,对美国乃至世界金融业带来了巨大的损失。该危机触发的根本原因是贷款抵押公司等信贷发放机构放松了贷款审核标准。这次危机对我国保险监管机构的监管工作有着重要的启示。 In April 2007, beginning with the filing of bankruptcy protection by New Century, the second largest subprime mortgage company in the United States, the risk of US subprime mortgages began to emerge and promptly offered to all types of securities backed by subprime mortgages The transfer of holders of chemical products has brought tremendous losses to the financial industry in the United States and the world. The root cause of the crisis was the loosening of loan auditing standards by lenders such as loan-mortgage lenders. The crisis has an important enlightenment on the supervision of China’s insurance regulatory agencies.