Not only was the peripheral applications software (mortgage generation, derivatives) buggy — the whole banking OS was incorrectly designed and specified.
它并不仅仅是因为外围的充满漏洞的应用软件(抵押产生，衍生产品)——而是因为整体的银行操作系统都被错误的设计和规定。
These mortgage-backed securities, meeting the requirements specified by rating agencies such as Moody’s and Standard & Poor’s, generally received top credit ratings.
符合穆迪(Moody)、标准普尔(Standard & Poor)等评级机构具体要求的房产抵押贷款证券一般均获得最高的信用评级。
However, until now, there is not a specified law that has been legislated for managing this kind of transaction in China. Furthermore, scholars also disagree with each other about "Louhua Mortgage".
但到目前为止，我国立法并没有明确规定这一制度，理论上对我国“楼花按揭”现象的认识也是众说纷纭。
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