这些银行债务基本上都是以商品房或者房地产项目做抵押的，如果房价突然出现

These bank debts are basically commercial housing or real estate projects as collateral. If housing prices suddenly drop sharply, resulting in a shrinking property value and insufficient collateral value, it may happen that many people abandon their houses. If a large number of people cut off the supply, then the bank's credit default will increase rapidly, and then a series of chain reactions will be triggered, and even more serious financial risks will be triggered.

这些银行债务基本上都是以商品房或者房地产项目做抵押的，如果房价突然出现大幅度的下跌，导致房产价值缩水，抵押物价值不足，那就有可能出现很多人弃房断供的情况，一旦出现大量的人断供，那么银行的信贷违约就会迅速增加，到时就会引发一系列连锁反应，甚至会引发比较严重的金融风险。

These bank debts are basically mortgaged by commercial housing or real estate projects. If the house prices suddenly fall sharply, leading to the shrinkage of the real estate value and the insufficient value of the mortgage, it is possible that many people will abandon their houses and cut off the supply. Once a large number of people stop supplying, the bank's credit default will increase rapidly, and a series of chain reactions will be triggered Should, even cause relatively serious financial risk.