"There are always blind spots in the early stages of implementation, and greater risk," says Chang. "The first financial institutions to offer these mortgages worry that there won't be enough applicants and that 'whoever goes first, goes bankrupt first.' Consequently, we recommend that they go slow, starting with pilot trials and gradually accumulating the experience necessary to build a robust system."
「剛開始實施都有盲點、風險也較大，先承作的金融機構因擔心申請的人不多、『誰先做誰先倒』，所以我們建議先有實驗案例，累積經驗後，再慢慢建立制度，」張金鶚說。