commercial credit it's almost as ng as two ars of lagging charge-offs the banks are having so the combition of that the ct that these problems have just been accumulating throughout the recessions that some banks havjust reached thatreaking point right now. they just can't take anyore loses. reporter: on top of that, some banks may have ouble paying special assessmen arged by the fdic to make whe insured depositors of failed banks. analysts say forome banks, the w fees may be the difference between making andosing money. date, investors have been buying big banstocks since the housing market showed signs stabilizing earlr this summer. experts say there are baains to be founamong the stocks of small banks. but you must dyour homework to find out how strontheir balance sheets areefore you invest >> the bigger players we're talking about,ank of america, citioup, jp morgan, they've raised a lot of capital the markets in order to shorup their balance eets. your localommunity bank doesn't have that opportuny. as a result, ty're still playing with theame amount of capil they had at the beginning a

so tt is to say it's a combation, it's combition. and then, of course, political reform. it's the kindof political system which would be st suited for chinese conditions. and en there will be oer reforms. >> rose: and what is best suited for cnese conditions mean? >> i think first of allo guarantee that people will be able to participate in the political process as mh as they can. but e question is h could that bbrought about? china is a big country with 1.3 billion people andhe level of education is still not high and even there are peoe who are stil illiterate. so under these circutances, how to make sure that people will be ableo pticipate in the political process. we are experimentin with th..tf ete villag level d we are... we have the kind of political system we have international people's congress system and we als have a chinese pple's political consultive conference. so t chine people's politica consultive the nference has made it possible for pele from all walks of life to be partf the political process. to particite in the discussion of the major decisions. so t

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