That inevitably brutal change can take place in two ways. It could be relatively orderly as borrowers scale back and lenders strengthen their balance sheets.
不可避免地在两个方面产生巨大改变，借款规模有序收缩，贷款人提升其资产负责表质量。
2
But making them work on a large scale will involve striking the right balance between accuracy and practicality.
但要让它们大规模应用起来则需在准确性和实用性间取得一种合理的平衡。
3
Only after we bring full transparency to the bank balance sheets will we see private capital buying into Banks again at scale.