Alistair Scarff, Merrill Lynch head of Asia Pacific financial institutions research, said : " the wild card is whether we will see asset quality decline. And how deep will further provisioning need to be? " 美林亚太金融机构研究部主管史思达(alistairscarff)表示:“未知因素在于,我们是否会看到资产质量下降。进一步储备资金需要到哪种程度?”