因此，信用违约互换可以在不影响与客户的关系的前提下降低风险的集中度，从而有效回避信用风险。

So credit default swap can reduce the concentration degree of credit risk in the prerequisite of not influencing the relationship with customers, therefore avoid the credit risks effectively.

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例如按业务单位是一种方式，其它如按产品种类，期间长短，部位集中度，不同风险因子等均是可行之方法。

For example, it may be done on the basis of business units, or on the basis of the type of product, length of period, the degree of concentration in a position, or differences in risk factors.

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而我国房地产行业内普遍存在企业资源集中度低，抗风险的能力差，资金不足，企业短期行为严重，企业经营能力与其拥有的资源不匹配、竞争力弱等现象。

However, it is common that low enterprise resource concentration, weak risk resistibility, insufficient fund, lacking long-term strategy, and weak competition ability in China's real estate industry.

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