"Mortgage" refers to the use of real assets such as real estate or securities, contracts, etc. As collateral, obtain a bank loan and pay off the principal and interest in installments according to the contract. After the loan is paid off, the bank will return the collateral. Mortgage means that the mortgagor takes the mortgage beneficiary of property right transfer as the repayment guarantee. After the mortgagor pays off the loan, the beneficiary immediately transfers the property rights involved to the mortgagor. In this process, the mortgagor enjoys the right to use the property.

As a kind of mortgage loan, mortgage has its own risks for banks. Because the financing method of mortgage loan is partly determined by the market situation of housing market, when the market interest rate rises and the housing market is depressed, the repayment ability of lenders may be affected, and banks will face huge credit risks accordingly. When the risk accumulates to a certain extent, it is possible that one day, huge financial risks will break out.