"What you do in a crisis is you want a lender of last resort who is going to lend freely against good collateral,"

VOA: standard.2009.04.22

If you put a property up as collateral, then the lender knows that they can get the money back from you.

如果你以资产作抵押,贷方就知道债务偿还有了保障

耶鲁公开课 - 金融市场课程节选