In June, outstanding loans amounted to only 11 billion yuan, giving banks a yuan loan-to-deposit ratio of just 2%.

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The cataclysmic talk surrounding European debt sounds a whole lot like what was going around in the U.S. in 2009 when it was fashionable to say that nationalization was the only answer for Bank of America, Citigroup et al. While you could argue that massive Fed loans amounted to de facto nationalization, it seems the plan worked and the banks are solvent.

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Losses on those loans have since amounted to 13% of GDP.

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For some banks, the combined issuance of asset-backed securities and commercial paper (short-dated securities) amounted to about half of all their loans.

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But mortgages still amounted to only 23% of its total loans.

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The DCLG says that in the first half of 2010 there were an average of 42, 000 loans per month to house buyers, and the sample amounted to about 24, 000 sales each month, involving 32 lenders.

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In 1998 "liars' loans" (those with little or no documentation required) amounted to 24% of mortgage originations.

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