Second, the civil penalties in this settlement – a form of fine – are minuscule relative to the size of the companies involved. As Shahien Nasiripour, one of the best reporters on this issue, dryly put it: “None of the five lenders have said they expect to incur a material charge due to the settlement.”
其次，改和解案的民事处罚——一笔罚款——对涉案公司来说不啻九牛一毛。正如报道该案的记者之一纳斯里波尔（Shahien Nasiripour）所指出的，“这五家贷款人都认为不会因和解案受到实质性的惩罚。”换句话说，从公司角度来说，民事处罚根本不值一提。