而这需要建立促进长期借贷和还贷的有效的监管制度，并确保债主不像在印度农村和美国抵押贷市场那样剥削借贷者。
That will require establishing effective regulatory structures that facilitate long-term borrowing and repayment, while ensuring that lenders do not exploit borrowers, as has occurred everywhere from rural India to the United States mortgage market.