尽管银行呆账总量在上升，特别是信用卡方面的呆账，但整个金融系统运行正常，贷款再次启动——只不过要付一定的代价。

But the financial system is solid, and credit is available again—at a price.

即便是住房贷款的呆账一般也只是出错的一部分。

Even bad home loans in general were only part of what went wrong.

并不是说这10万亿元都变成了呆账。

Not all of this 10 trillion yuan will go bad.

第六十条商业银行应当建立、健全本行对存款、贷款、结算、呆账等各项情况的稽核、检查制度。

Article 60 Commercial Banks shall establish and perfect their own systems for examination and inspection of deposits, loans, settlements, doubtful accounts, etc.

二是没有建立严格的赊销政策，缺乏有力的摧收措施，应收款不能兑现或形成呆账。

Two is does not have theestablishment strict selling on credit policy, lacks powerfullydestroys receives the measure, should receive money cannot cash orform the dull account.