现在工行的不良贷款率已经降到了2.2%。
But as we've just learned in this crisis, a low debt-to-equity ratio doesn't offer any protection against a bank making a bad loan.可是,我们在这次危机中也认识到,即使较低的债权比(杠杆率)也不能有效地避免银行的不良贷款。
For more minor ailments, bad loan books may be excised and the rest of the bank restored to health with a transfusion of new capital.对于更微小的问题,切除坏账并通过新的资本注入方式银行的其他部门恢复健康。