The problem can only be addressed with a standardized plan that must work both for whole mortgages held by banks, and mortgages that collateralize mortgage-backed securities (MBS).

• 该问题只能用标准的方案解决，而标准方案必须弄清银行所持的整个抵押款项和抵押证券(MBS).；为间接的抵押款项。