当年普遍存在一种观念，认为银行的抗风险机制的质量就象汽车零部件一样达标甚高，这个观念到此休矣。
So much for the notion, generally accepted back then, that the quality of Banks' risk regimes had, like car components, converged around a high standard.
目前，大部分银行已经达到了标准或是接近达标。
Most have either met their targets or are close to doing so.
如果银行承认存在不良贷款，则有不达标的风险，所以银行就不断给这些死而不僵的借贷者注入资金，让他们苟延残喘。
Banks that acknowledged non-performing loans risked falling below those standards, so they kept zombie borrowers alive on a drip-feed of fresh money.
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