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1·Such has a straight relationship to the faultiness of related systems of course, but the most key factor should lie on the self-limitation of stringent Statutory Capital system.

究其原因，这固然与相关配套制度不完善有直接关系，但严格的法定资本制其自身的缺陷应为最关键的因素。

2·The tests are more stringent and factor in a larger drop in prices than earlier ones conducted in the past two years.

测试将会更加严格并且将会把比过去两年所测试的更大程度的房价下降因素考虑进来。