设立存放坏账的金融机构,多是有劳无功之举。对于股东和借款者来说,公司还是原本的那个公司,但如果他们能看到公司内始终如一都有利可图,他们会更信心十足。分割资产也能将经纪人的心思集中在摆脱垃圾的任务上。花旗集团、英国皇家银行、德国商业银行和汇丰银行联合行动,坏账银行资产从2009年初的1.6万亿美元减少到如今的约1万亿。上述几家银行的季度税前坏账损失均得到大幅削减。
The job is not done yet. Two years ago the hits came mainly from securities that had to bemarked to market. Now those same instruments are producing modest profits for somefirms, such as Commerzbank. The bulk of losses today are from commercial-property andconsumer loans. Most firms expect continued heavy write-downs this year but animprovement thereafter: RBS, for example, reckons its bad bank has now recognised some50-75% of the impairments the assets are expected to generate. But it is possible thatlosses could start rising again.
任仍重而道仍远。两年前,主要的冲击来自必须调整为市场价的证券。但如今,正是这些工具为这些公司带来了微薄的利润,德国商业银行便是个好例子。如今的大多数亏损来自商业房产和消费贷款。许多公司预测今年仍将有大幅度的资产减值,但以后就会有所改善:比如,苏格兰皇家银行指出其坏账银行如今已确认该行资产将会贬值50-75%。但可能这个亏损仍会再度增加。
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