据介绍，涵盖的债券可能会伤害美国住房金融市场。穆迪的投资者服务。Commenting on legislation introduced to create a framework for a covered-bond market, Moody’s did acknowledge, however, that the bonds have proved to be successful mechanism in countries that have frameworks for them, but in the U.S., “the housing finance market may not function as well during periods of stress if greater reliance is placed on the covered-bond market versus thefhlbanks.。“