In recent years , as the global financial market fluctuates more tempestuously , the bank is becoming more and more inclined to decrease credit loans in order to avoid the credit risk and assets - mortgage loans are getting more and more popular 近年來隨著全球金融市場的變動加劇、金融產品的復雜化和一系列金融危機事件的發(fā)生,銀行越來越多地減少信用貸款來回避貸款的信用風險。