One reason was that Japan allowed bad debt to fester and encouraged banks to throw good money after bad in keeping zombie companies alive.
造成这种情况的原因之一是日本允许呆账注销，鼓励银行将优质资金注入僵尸公司以使其继续维持运营。It will force the banks to write off another slice of the bad debt, and repay a chunk of it from its own budget.
它将迫使各银行减记部分呆账，另外从自己的预算中偿还一部分债务。Taxpayers end up footing the bill for dud loans and the economy underperforms as the flow of finance is misdirected.
资金的流动误入歧途，会导致经济表现不佳，纳税人也因此最后还要为呆账贷款买单。Domestic banks would not have to classify their sizeable holdings of Treasuries as non-performing if they thought the default short-lived.
美国国内的银行如果认为欠债只是短期的，就不会将持有的大量国债视为呆账。Large banks will also be required to increase the amount of capital they hold in reserve against loans going bad.
为防止贷款变为呆账，银行也需要相应地增加持有的资本金。To combat bad loans and hopefully stymie inflation, reserve requirement have been raised three times for Chinese banks.
为了防止呆账坏账发生并预防通胀，中国银行的存款准备金比率上升了三倍多。A financial enterprise does not have to set aside bad debt reserve for any entrusted loans, of which it does not bear the risk.
金融企业不承担风险的委托贷款等资产，不计提呆账准备。The orientation of credit policy should of the after reclaim in time or producing bad debt enterprise with money bear ability is a standard.
信用政策的取向应以款项的及时回收或发生呆账后企业的承受能力为标准。Loan losses are high, but the spreads are so large that with any semblance of credit discipline there should be room for profits.
的呆账，但存贷利率差价如此之大，给任何表面上守信用的银行都了盈利空间。