It's a political problem which comes from the fact that existing debtors are in a relatively good position now because they are the owners. It's an economic and political process. The economics are clear. It's necessary to get companies healthy again. It's necessary to get balance sheets cleaned up.
Debts have to be written down.
It means creditors have to take some losses. It does not mean that debtors stop paying as they have in many cases without good reason in Thailand. It means a process where debtors and creditors are both treated reasonably according to the law and according to what is economically efficient. That is the process which is lagging now. There are necessary laws to be enacted.