But if all the special mention loans were reclassified as nonperforming, as Fitch suggests they should be, those raised provisions would be swamped, doing substantial harm to bank capital levels.

• 但如果像惠誉国际评级建议的那样，将“关注类贷款”全部列为不良贷款，各银行计提的贷款损失准备金将大量增加，从而对银行的资金水平造成实质性损害。