房地产市场是全世界银行业危机的一大中心。伴随这些银行业危机的,通常是比普通经济衰退更为严重和持久的衰退。持续攀升的高房价和不断增长的失业率是导致社会不平等的一个主要来源。更多的资本可以使银行在面对经济周期变动时更加安全,但这并不能完全切断房地产周期与经济周期间的关系。资本结构良好的银行不会一直等待着资本结 The real estate market is a major center of the banking crisis in the world. These banking crises are usually accompanied by a more serious and lasting recession than the average economic recession. Rising home prices and rising unemployment are one of the main sources of social inequality. More capital can make banks safer in the face of changing economic cycles, but this does not completely cut off the relationship between the real estate cycle and the economic cycle. Well-capitalized banks do not always wait for capital gains