Question

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Depository Institutions

Depository institutions, including commercial banks, savings banks, and building and loan societies, are the principal mortgage market institutions in many countries. Commonly, they are active both in mortgage origination and mortgage holding, thus eliminating the costs of mortgage transfer.

A major advantage of banking institutions is their access to low-cost deposit funds, which may include the benefit of subsidized deposit insurance. Their existing branch networks may also be useful for carrying out mortgage origination activity. However, many banks actually carry out their mortgage originations through separate subsidiaries and the recent technological advances in mortgage origination have further reduced this possible advantage of banking institutions. In the United States, for example, the market share of banking institutions in mortgage origination has been falling quite
rapidly.

Answer 1

存款机构
, 包括商业银行, 储蓄银行, 和修造和贷款社会, 是主要抵押市场机关在许多国家。共同地, 他们是活跃的在抵押首创和抵押藏品, 如此消灭抵押调动的费用。
银行结构主要好处是他们的对便宜的储蓄资金的通入, 也许包括给津贴的存款保险的好处。他们现有的分支网络也许并且是有用的为执行抵押首创活动。但是, 许多银行实际上执行他们的抵押首创通过分开的辅助者并且最近技术跃进在抵押首创进一步减少了银行结构这可能的好处。在美国, 例如, 银行结构市场份额在抵押首创相当迅速地下跌

Answer 2

存款机构

存款机构，包括商业银行，储蓄银行和修造和互助储金会，是主要抵押市场机关在许多国家。 共同地，他们是活跃的在抵押首创并且抵押藏品，因而消灭抵押调动的费用。

银行结构的主要好处是他们的对便宜的储蓄资金的通入，也许包括给津贴的存款保险的好处。 他们现有的分支网络也许也是有用的为执行抵押首创活动。 然而，许多银行通过分开的辅助者实际上执行他们的抵押首创，并且最近技术跃进在抵押首创进一步减少了银行结构的这可能的好处。 在美国，例如，银行结构市场份额在抵押首创相当迅速地下跌