西班牙的储蓄银行，或信用合作社，在没有股份持有者的情况下将近存活了200年之久。
SPAIN's savings Banks, or cajas, have survived for nearly 200 years without the help of shareholders.
美国地区银行和西班牙储蓄银行，或者信用合作社，面临着商业资产组合受损更大的压力。
American regional Banks and Spanish savings Banks, or cajas, are among those coming under increasing pressure as commercial-property portfolios suffer.
另一个需要担心的是，尽管西班牙的大型银行看起来很强势，资本化情况也很好，但是不能说储蓄银行或者说合作信用社的情况亦是如此。
Another worry is that, although the big Spanish Banks look strong and well-capitalised, the same cannot be said of the savings Banks or cajas.
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