悲观派则辩驳道这是因为抵押贷款借新还旧（mortgage-equity extraction）的速率并没放缓。
Pessimists say that is because the pace of active mortgage-equity extraction has not yet slowed.
但在实际操作中，“借新还旧”有被滥用之势，给农村信用社带来了风险，应当加以防范和控制。
However, in actual operation, "through the old" abuse of power, to bring the risk of rural credit cooperatives should be to prevent and control.
市场利率下降时，则可以借新还旧，继续保持较低的贷款利率，从而很好地满足了规避利率风险的要求。
Market interest rates, can also take advantage of the new old, continue to maintain low loan interest rates, thereby properly met circumvent interest rate risk.
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