求翻译：第二种观点认为银行信用风险是指银行贷款资金的现实损失程度，即呆滞和呆帐贷款的比例大小。这是一种将风险与损失等同起来的错误认识，它抹杀了风险的不确定性特性，只强调了风险导致的结果，而忽略了风险的形成过程，并将一种已确定了的事物当作风险的研究对象。是什么意思？

The second view is that bank credit risk is the reality of the extent of losses of the bank loan funds, that is sluggish and the ratio of the size of bad loans. This is an error of risks and losses equate understanding, it denied the uncertainty characteristics of the risk, only emphasized the resul

The second point of view credit risk is the bank loan funds, and the reality of loss that is stagnant and bad loans of the scale size. It is a risk and loss is equated with the perception that it has eliminated the uncertainty of risk attributes, it emphasizes risk as a result of, and not to ignore

The second viewpoint thought the bank credit risk is refers to the bank loan fund the reality loss degree, namely delay and bad debt loan proportion size.This is one kind the wrong understanding which equates the risk and the loss, it has written off the risk uncertainty characteristic, only emphasi

The second view is that the banks ' credit risk refers to the reality of loss of funds in Bank loans, that is, fixed size and the proportion of doubtful loans. It is a mistake to equate risk and loss, it erases the uncertainty in risk characteristics, only highlighted the consequences of risk, regar

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