A third defect is that there are large risks because the mortgage loan is a very long-term creditor's asset and the bank is faced with huge risks in the interest rates. 三是风险大,由于按揭贷款是期限很长的债权资产,银行面临的利率风险就很大;
Through long-term historical development, creditor's rights gradually lost the color of personification, which results in the birth of assignment system. 历经漫长的历史演进,债权逐渐失去人的色彩而实现独立的财产化,由此催生了债权让与制度。