However, none of these points can alter the fact that some banks will have to pull out of the market eventually, and merging is a somewhat more practical way to do this than to continue operations until losses reach such a level that the banks are ordered to close by the government or are taken over compulsorily.
不論如何，在「總有一些銀行必須退出市場」的情況下，比起虧損累累而遭到勒令歇業、強制接管，合併總是一個比較可行的下台階。