我国银行不良资产的产生有政策性因素，也有企业方面的原因，还有银行自身管理方面的原因。
The enterprises, the management of the banks themselves as well as the policies of the government should be held responsible for bad-assets in commercial banks.
银行自身也必须找到一个风险管理的中间地带，这个中间地带介于直觉和盲目崇拜数字之间。
The Banks themselves will have to find a middle ground in risk management, somewhere between gut feeling and number fetishism.
如果银行管理者不能预先拿出合理的解决方案，那么它们必须简化自身运营，有可能出售部分业务。
If bank managers couldn't write a will that made sense, they would have to simplify their operations, and possibly sell some of them off.
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