And relevant expert think bad assets particularly like " ice - roily " , hold among hand the longer time have , melting the more , there is the lower value now 而有关专家认为不良资产尤如‘冰棍’ ，握在手中的时间越长，融化得越多，现有价值越低。
2.
The factors of organizational and managing system operated importantly in the process of prosperity and decline of shanxi bank . its advanced organizational system and managing mode made shanxi bank developing persistently in the background of roily society . and the decline of shanxi bank counted for much with the managing and organizational system too . this article take the prosperity and decline of shanxi bank together with its organizational and managing system in order to find its experiences and lessons about managing and organizational system . through analyses try to give advices to enterprises of the time about management and organization 本文将山西票号的兴衰和其内部的组织与管理因素紧密结合起来进行研究，通过对票号兴衰过程中的组织与管理原因的分析与研究，总结票号在组织与管理方面的经验教训，并把票号的重要组织原则和管理制度与现代企业的相关做法进行对比分析，进一步提出山西票号组织管理方面的经验教训对现代中国企业的借鉴意义，为探悉有中国特色企业治理结构和管理模式提供一些有益的线索和思路。
