潜规则是一种在暗中进行，不能公开，却又支配参与者行为样式的一种规则体系。
The latent regulations make up a regulation system that can only move in secret, and that cann't open, but it controls the action form of the participator.
房地产企业、银行与市场环境参与者行为的不规范是房地产金融风险的主要来源。
The non-standard behaviors of real estate enterprises, Banks, and participants of market environment are the chief source of the financial risks of the industry.
在这种情况下，如何引导市场参与者行为，优化市场结构，进而提高市场运行效率，是产业经济研究者所面临的问题与挑战。
At the time, it is the issues and challenges for industrial economy investigators that how to guide market participators' action and optimize market structure and improve market efficiency.
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