In the “bad bank” model, the government has the additional problem of managing all the bad assets that it purchased – a task for which it lacks expertise. And the very cumbersome US Treasury proposal – which combines removing toxic assets from banks’ balance sheets while providing government guarantees – was so non-transparent and complicated that the markets dove as soon as it was announced.
在“坏帐银行”模式中，政府管理其收购的所有不良资产又带来新的问题，因为政府没有专长经验来完成这一任务。美国财政部笨重的方案就是将有毒资产从银行资产负债表上剥离同时提供政府担保。这一模式过于缺乏透明度而且复杂，因此，这一方案一经宣布，股市随即大跌。