At the same time, mortgage origination should be tightened up: too often lenders connived with borrowers to swell the size of mortgages, or worse, sell borrowers the wrong policy.

• 还应当严格监管住房抵押贷款的发放：贷款人时常与借款人共谋以增加贷款规模，或者更糟糕，卖给借款人不合适的保单。