In addition, local banks tend to be conservative in their lending practices. Chang's own research on Taiwan's largest bank specializing in real-estate lending--the Land Bank--shows that the bank typically provides real-estate loans of 56 % of properties 'market value. Based on this figure, "Although property values have fallen by 30-40 %, they have not yet dropped below the value of the loans."
而且國內銀行授信謹慎，張金鶚曾以國內最大的房地產專業銀行──土地銀行的房屋放款做研究，發現土地銀行平均核貸的額度約是市價的五成六，由此估算，目前房價雖有三、四成的跌幅，應該還無損於銀行的債權。