更令人担忧的是，一些小型银行在建立贷款准备金方面效率极低，甚至达到了历史最低。

More worryingly, smaller Banks have been slow to build their reserves against dud loans, even though these are coming off historic lows (see right-hand chart, above).

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而偿付能力的内容包括资本金、保险责任准备金、保险保证金、保险保障基金、总准备金和最低偿付能力额度等。

Solvency of an insurance company is composed of capital, reserve, guaranteed funds, free reserve and minimum solvency margin.

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