So these empirical observations then are summarized into four laws.

这些经验性的观察,被总结成四条定律。

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It recognizes that the risks that a bank faces are very complex and that they are not summarized by just the classes of borrowers that were defined in Basel I.

它指出一个银行所面对的风险是非常复杂的,第一次巴塞尔协议定义的借款人风险等级,无法概括全部的风险

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