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房地产抵押贷款市场是企业或个人以自己拥有的房地产作为还款保证而向有关金融机构从事货币借贷的市场。在该市场中，贷款资金是商品，它是存款负债的资产化，存款负债是“买”来的，这种“买”有两点规定性：一是要支付价格即利息，意味着存款负债的吸收是有成本的，二是买的
The real estate mortgage loan market is a market in which enterprises or individuals engage in monetary lending to the relevant financial institutions using the real estate they own as their repayment guarantee. In this market, loan funds are commodities. It is the assetization of deposit liabilities. Deposit liabilities are “bought”. There are two stipulations on the “purchase”: First, to pay the price, which is interest, which means the deposit liability The absorption is cost, the second is to buy