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与工商等其他信贷相比， 不动产信贷规模的涨缩幅度始终处于较小的状态，通过不动产的信贷利率、抵押信贷机制对货币资本的引力、信贷需求刚性和生产资本投入等因素的个别静态与综合动态分析，可以得出这一规律。对美国５０～７０ 年代商业银行信贷波动的实证分析， 印证了上述推断，该规律具有对经济的减振和对信贷结构的调节等突出效应， 具有重要的运用价值。
Compared with other credit, such as business and industry, the scale of real estate credit has always been in a smaller state. By means of real estate credit rate, mortgage credit system’s attraction to monetary capital, credit demand rigidity and capital investment, Comprehensive dynamic analysis, we can draw this law. The empirical analysis of the credit fluctuations of commercial banks in the United States from the 1950s to the 1970s confirms the above conclusion and has the prominent effect of reducing the economy and adjusting the credit structure and has an important application value.