The problem has been exacerbated by Europe's adoption of a complex Basel II methodology, which essentially lets bank managers use their own judgment in determining the riskiness of their assets.
欧洲采用复杂的巴塞尔协议II (Basel II)，进一步激化了这个问题——巴塞尔协议II事实上是让银行高管自己来确定资产的风险水平。
OOP can be as simple as data abstraction, or as complex as a company-wide methodology.
OOP可以象数据抽象那样简单，也可以象公司范围的方法学那样复杂。
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