In addition, complementary improvements are also required in collateral laws (which do not make it too expensive to mortgage property) and the legal system (which allows banks to seize collateral, if warranted, when a debtor defaults).
此外，（控制抵押地产的费用，不使其太昂贵的）抵押法和（允许银行在借债人未偿息还本时没收抵押物的）法律制度也要有相应改进。