These include mortgage eligibility criteria, such as loan-to-value and loan-to-income ratios, and dynamic provisioning (that is increasing banks’ mandatory loan-loss reserves during housing booms). It is important to calibrate the impact of risk weights on housing-market cycles relative to other measures, not least because excessive and overlapping intervention could itself fuel dangerous cycles.
此外，尽管风险权重是一个重要的宏观审慎杠杆，但必须与监管者的其他工具配合使用。这些用具包括按揭合格标准（如贷款/房屋价值比和贷款/收入比）和动态拔备（即在房地产繁荣期提高银行的法定贷款损失准备金）。根据房地产市场周期调整风险权重相对于其他指标的影响十分重要，因为过度和重复干预本身也可能导致恶性循环。