除非破产人和失败的项目可以迅速而平稳地退出系统，否则市场将饱受坏账和烂尾工程的纠缠，耗费宝贵的信贷资源，拖累收入、增长及就业表现。
Unless failed borrowers and projects exit the system quickly and smoothly, the market will be saddled with bad debt and incomplete projects, undermining its performance.