Facing the "silver lack" problem appearing at late Ming Dynasty and the beginning of Qing Dynasty, some thinkers such as Huang Zongxi, Gu Yanwu, Wang Fuzhi, Lu Shiyi and Tang Zhen published their comments which introduced some currency projects such as discarding silver and using brass, "changing currency "etc.

Based on the analysis of the preparing cost & feasible revenue between the in-table and out-of-table patterns of the securitization of China s mortgage, this article expounds and proves that within the constraints of financial market basis, law condition and system arrangement, the rational choice is to issue mortgage bank bond at present.