The unsound condition of large U. S. banks, which have inaccurate and crumbling balance sheets along with $250 trillion in high-risk OTC derivatives contracts;

美国大银行非常糟糕的资产负债表（高风险场外衍生合约约250万亿美元）；

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Congress is not touching the Community Reinvestment Act and subsequent government decrees mandating that banks grant mortgages to unsound borrowers.

FORBES: Magazine Article

Uruguayan officials hurriedly devised a more flexible alternative, which distinguishes between sound banks (which will operate normally) and unsound ones (some of whose fixed-term deposits are frozen until rescue measures are taken).

ECONOMIST: Latin America's economies

On the other hand, to prevent people from ever again experiencing the loss of their life savings as banks went out of business, banks are regulated to prevent "unsafe and unsound" business practices so as to protect depositors and the federal deposit insurance fund.

FORBES: Magazine Article