The savings rate is close to 60 per cent of gross domestic product, and Chinese policy has centred on producing cheap products to sell to the US on credit.
The reputations of the ratings agencies are still stained by their gross overstating of the quality of mortgage-backed bonds before the credit crisis (see article).
由于在信贷危机前过分的夸大了抵押保证债券的优点，评级机构的声誉依然背负着不良影响。
3
The utility of stock amount and optimization of incremental amount on credit assets are the keys to increase profitability and security of gross assets of commercial banks.