逾期支付的减少，可能将帮助放款人通过减少用于未来贷款损失的储备来维持盈利。
Declining late payments may allow lenders to buttress profit by reducing reserves for future loan losses.
即使在金融系统已经撑起来了，很明显，银行遭受了贷款储备的损失，这使得一些银行破产。
Even after the financial system had been propped up, it became clear that banks had suffered losses on loan holdings that rendered some of them insolvent.
一些人还对西班牙的制度称赞有加，它要求银行在景气良好的时期为损失提存额外的储备，这样当贷款变糟的时候，他们的利润以及自有资本的损失就会减少。
Some admire Spain’s system, which requires banks to make extra provision for losses in good times, so that when loans turn sour their profits and thus capital fall by less.
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