Can say, replica gucci belts if not the financial support of the domestic commercial Banks, not domestic business does not assume social responsibility, the domestic real estate market investment speculation is not so serious, many local housing prices will not so high. In the few years, the domestic commercial Banks to pursue the best interests of individuals and units, with high quality real estate credit assets as a cover, make a lot of bank credit to enter the real estate market, pushing up the real estate market price. Because, by doing so, in the short term, make the credit funds of commercial Banks to enter the real estate market, especially into individual housing consumer credit, not only the expansion of bank credit business is rapidly, rapid growth of profits, bank defective rate drops rapidly, and the rapid growth of individual and unit the leadership performance and bonus. That is to say, as long as house prices rising, the housing credit market is the most main commercial Banks are the most convenient profit pattern and tools. Because, fake gucci belt housing credit is the main domestic commercial bank profit model and the most convenient tool, as a result, over the past few years, domestic commercial Banks to gain more share in the housing credit, are a variety of ways to break through the regulators of commercial Banks risk management rules for the big expansion of credit. Originally for housing mortgage loans, for example, according to the Gucci Belt banking regulatory commission, the direction of house purchase of housing loans to borrowers pay monthly spending no more than 50% of their monthly income. But, in a few years earlier, any individuals to buy housing bank free borrow less fake gucci belts than money, because, with the help of the commercial Banks and law firms, this article is totally useless, borrowers can open completely false proof of income to the bank for mortgage loan. Because, the commercial Banks to destroy the existing rules, thus making many borrowers don't have to, reimbursement ability insufficient credit into the real estate mortgage credit market. Commercial Banks not only that, in the name of all kinds of financial innovation design anything what additional mortgage refinancing, financial products, such as more is to let people starved of credit into the bank housing credit market like a duck to water, is more convenient to let these people from the commercial bank to pay a lot of bank credit funds. , so to speak, if completely in accordance with the requirements of the regulators to do, when prices rise, the personal housing mortgage loans, of course, is the high quality assets, commercial Banks loans after that reap the profits. However, this assumes that there is a cyclical, both the real estate market price is not only up not down, and can not be down not up. This is who also can change the iron rule. When the price of the real estate market in rising period, personal mortgage loan risk, of course, is very low, but when the cyclical changes in the price of the real estate market, replica gucci belts personal mortgage loan risk is nature shows. The fact that the U.S. real estate market is proof of that. Before August 2006, the U.S. real estate market development and prosperity for nearly 10 years, prices have risen nearly 50%. But, from August 2006, the U.S. real estate market prices began to drop cyclical change, causing the United States in 2007 according to the crisis. In recent 8 years, Gucci Belt's real estate market prices should be the United States several times, and the quality of the home mortgage loan will be less than the United States (such as the domestic many investors to borrow money from the bank to buy dozens of homes, it doesn't have a thing in the world, but have taken place in Gucci Belt). If the domestic real estate market a cyclical change, so the risk of domestic commercial bank mortgage loans will certainly higher than the United States. Therefore, 927, was to change the current domestic commercial bank individual mortgage loans the myth of high-quality assets, to avoid risks from the perspective of commercial bank's own risk. In fact, from the current Gucci Belt's commercial Banks personal mortgage loan quality, if the domestic real estate market price of a cyclical change, so the risk of domestic commercial bank individual mortgage loans will certainly higher than the United States. That is to say, from the point of view of its risk control, domestic commercial Banks have to perform a 927 article seriously, and not for short-term interests.