所有这些都是因为地方银行仍然是国内贷款的主力，而现在银行的贷款并没有证券化。
And because local Banks still account for almost all domestic lending, there is no securitisation of bank loans.
日前，瑞士瑞信银行发布了一份报告称，中国财富总值增长迅速，已成为全球新兴财富阶层的主力。
Recently, a recent report released by the UBS (Credit Suisse) that China's total national production has increased so rapidly that China has become one of the big members in wealth class globally.
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