On the bright side, Chang points out that according to article 84 of the banking law, real-estate lending (including lending to builders and mortgages) cannot exceed 20 % of the sum of a bank's deposits and the value of bonds it has sold.
不過張金鶚指出，銀行法八十四條規定，房地產放款（包括建築融資及消費者購屋貸款）不得超過銀行存款及債券發售額之和的百分之二十。