由于基线在建立的过程可以不包括BPO而通过修改基线流程来进行添加，也就存在新的债务人银行(Obligor Bank)在修改过程中的确认流程4 |0 U; ] r0 Q 接下来对于基线修改流程，我们也分为两家银行、三方银行两个模式来介绍：
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如果银行选择不传递任何因基准利率上升而导致的资金成本的增加，那么任何对债务人收入的挤压都可以减轻，这种情况是乐观的。
Any squeeze on debtors' incomes might be mitigated if Banks chose not to pass on any increase in funding costs stemming from higher base rates. That scenario is optimistic.
由于中央银行试图帮助其债务人脱离困境，储户们也已受到史上最低利率的惩罚。
Savers are already penalised by record low interest rates, as central banks try to bail out debtors.
由此国有银行必需要追回那些通过“影子银行系统”放出去的贷款，使债务人措手不及，很多公司为此破产。
In this process, state-owned Banks have been forced to call in the loans made through the "shadow banking system," thus hurting the debtors and triggering a spate of bankruptcies.
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