Bad banks that are constructed generously enough to provide banks with hidden equity injections are one way to avoid or mitigate the credit crunch. But establishing them would be a bad idea, because to do so would imply that government subsidization of banks, thereby creating incentives for imprudent behavior in the long run.
“坏帐银行”的建立就是慷慨地给银行隐性地注入资本，目的是避免或是缓和信贷危机。但这并不是一个好主意，因为如果这样做，将暗示着政府对银行给予补贴，银行将来还会再一次地犯错。毕竟，金融危机发生的原因之一就是银行一直幻想着政府在困难时能拉他们出来。