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Banking bad loans may b looming but assets pledged usually much higher value . once forfeited payment , assets shall b auctioned off n banks incurred no loss but debtors will b the
worst hit . All in all , banking will make money in good or bad times .
in this condition, bank would lowering down the loan application criteria, the Banking industry would lower down their 10points requirements to 5points, this is a Risk due to defaulting payment in the future thus would created real estate bubble, and made this history repeating itself again just like Bank of Lehman's brother
