a worldwide shocking american loan cr**** becomes and fierce,with no result for the moment.with the increasing unite of the national and international financial marcet,it's of great importance for the health and steady development of our national economy to understand the concept of the american loan cr****. firstly,the author studied its background and tra**sion system,and knew that origin of the burstout was the defeat of the global financial system.nest,according to the economical and financial influence of the cr****,connecting the situation of our natioal economical system,and following other countries' resolution to the financial,there came out five measures to ideal**e our financial system:first,to arrange the macroscopical financial adjust and control means;secondly,to lead the financial orgniation to the right choices;thirdly,to strenghten the financial superv**e system;forthly,to build the stable financial marcket system;fifthly,to create an safe financial environment,to offset the frail part of the financial system,and respond actively to the threat of the american loan cr****.