Right now, the real estate market is on a stable and orderly track, and the "credit bonus" of the real estate industry is gradually disappearing. If the phenomenon of steady and falling house prices occurs, then the "credit bonus" of the real estate industry is likely to be transformed into " "Credit risk". So, financial institutions that place their hopes on the real estate industry may face much greater risks than lending to the real economy. In this case, why not adjust the credit concept as soon as possible and put support for the real economy on financial institutions. Prominent position, by supporting the real economy to effectively reduce risks and find new space for benefit growth. It is also because of this that we expect regulators to change and upgrade punishment methods, from punishing only specific violations to those that do not implement central decision-making. Punishment. From this text we can see that the author's attitude is:. ['Think that the real economy is more worthy of lending by financial institutions.', 'More optimistic about the future development of the real estate industry.', "Believing that regulators' past penalties are not adequate.", 'Very helpless for unreasonable lending by financial institutions.']