But even where loans can be restructured, this canmerely delay the inevitable; preliminary data suggest that modified loanssuffer a 35-40% default rate over the following two years.

• 而且，就算有办法重建新的方案，也难以阻止灾难的发生；初步的数据显示，被修订的贷款在接下来的两年内将承受35-40%25的拖欠比例。