As a last resort, the government could step in, as it did in the late 1990’s and early 2000’s, to remove NPLs from banks’ balance sheets. Indeed, China has a massive war chest of foreign-exchange reserves that it would not hesitate to use to inject capital into commercial banks.
此外，如有必要，银行可以拍卖抵押品回收资金。最后，政府也可以介入，如20世纪90年代末、21世纪初那样将不良贷款从银行帐上剥离。事实上，中国有巨大的外汇储备，向商业银行注入资本根本不需要犹豫。