银行存款要在同一时间以相同的汇率转换过来，银行的透支款和抵押贷款的外借款总值要与银行资产持平。
Bank deposits would have to be converted at the same time, and the same rate, as overdrafts and mortgages to keep the value of Banks' debts in line with their assets.
反向抵押贷款是最成功的住房资产转换模式，主要为有住房所有权的老年人设计。
Reverse mortgage (RM) is the most successful product of the home equity conversion (HEC), mainly designed for the elderly people.
信用评级的失误和证券化，使得问题抵押贷款转换成有毒金融资产。
Failures in credit rating and securitization transformed bad mortgages into toxic financial assets.
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