제 목    ZdcWkuIexNYPUQ 이 름    Cody 날 짜    2018/06/29 조 회    1 US dollars insight mortgage lending These developments stood in stark contrast to what was happening in the West. There, unprecedented leverage, massive debt creation, and a seemingly infinite sense of credit entitlement prevailed. Financial excesses become the rule rather than the exception, facilitated by financial innovation and the erosion of lending standards and prudential regulation.