中国至少需要一个有效的制度来处理破产问题；对风险定价和评估进行严格监管；以及健全的会计， 贷款风险准备金以及财务披露规则。
At a minimum, China needs an effective system to deal with insolvency; strict regulation of risk pricing and assessment; and robust accounting, loan-loss provisioning, and financial disclosure rules.