房地产过高估值和长期大量的金融抵押贷款给金融机构带来越来越多的呆账坏账，影响了金融机构的真实资产。

Excessive overestimation and long time financial mortgage loan bring the financial institution more and more bad debt loss in the future, which influence the financial institution 'real property.

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爱尔兰和德国筹建了“坏账银行”，将呆账坏账转移到公共部门。上世纪90年代，瑞典和韩国运用此法成功摆脱国内经济危机。

Ireland and Germany have set up "bad Banks" to shift bad loans to the public sector, as Sweden and Korea successfully did after their respective crises in the 1990s.

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