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21 дек 1980 г. - 美国国会允许商业银行将发放出去的房地产抵押贷款变成房贷证券并出售房贷证券化 (mortgage security) （金融创新）本来需要30年才收回贷款，现在在证券市场一次性迅速变现，减少风险鼓励银行降低贷款门槛

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