国内贷款，指报告期房地产开发企业（单位）向银行及非银行金融机构借入的用于房地产开发与经营的各种国内借款。
贷方必须保证其平均国内贷款的5%以有价证券的形式出售。
Lenders would have to keep five percent of the home loans they would normally group together to sell as securities.
不过，在企业及消费者未完全获得信心之前，国内贷款市场是不会全数恢复的。
But lending will not pick up until businesses and consumers gain the confidence they need to hire and spend.
所有这些都是因为地方银行仍然是国内贷款的主力，而现在银行的贷款并没有证券化。
And because local Banks still account for almost all domestic lending, there is no securitisation of bank loans.
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