在这一混合体中的共有特点则是世界各地的银行都可以创造出原本不存在的私人信贷，资金以及购买力，而如果不受公共政策限制的话，这些银行都有一个天然的偏好，就是把上述��造物投入到房地产发展中去，并因此推高土地价格。
The universal feature in this mix is the fact that banks everywhere can create private credit, money, and purchasing power that did not previously exist, and they have a natural bias, if not constrained by public policy, to allocate it to fund real-estate developments, which drive rising land prices.