This approach is not only proven, but it also provides both the incentives and wherewithal needed for lending to resume. It avoids the hopeless task of trying to value millions of complex mortgages and the even more complex financial products in which they are embedded, and it deals with the “lemons” problem – the government gets stuck with the worst or most overpriced assets.
这种方法不但被事实证明有效，而且还提供了恢复信贷的积极性和必要的资金。它避免了为成百上千万复杂抵押贷款和作为其载体的更复杂的金融产品估价，而且也解决了可能导致政府被最差或最高估的资产套牢的“失败”问题。最后，这种方法的推进速度更快。