如果是这样的话，银行贷款组合的实际价值就远远低于其设定价值，而应对潜在损失的准备金也不够。
If so, their loan portfolios are worth far less than the stated values, and reserves taken against possible losses are inadequate.
实证分析的结果表明，这几家上市的股份制商业银行贷款的总体质量较好，对贷款损失准备金的计提较为充分。
The result of the empirical analysis indicates that the overall quality of loan in these listing shareholding commercial Banks is good, and the loan loss provision is comparatively abundant.
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