In the “bad bank” model, the government may overpay for the bad assets, whose true value is uncertain. Even in the guarantee model there can be such implicit government over-payment (or an over-guarantee that is not properly priced by the fees that the government receives).
以上四种选择中，前三个存在严重的缺陷。在“坏帐银行”模式中，政府可能会为不良资产支付过多，这些不良资产的实际价值无法确定。即使是在担保模式中，也会隐藏着过多支付的问题(或者过度担保，政府收取的费用并未合理定价)。