Region 2 federal safety inspector scott werner . How can I help ?

我是第二区安全检查员史考特华纳有什么可以帮忙？

The result is that agbank 's lending will grow annually by 19 % in the coming years , estimates sanford bernstein analyst mike werner .

结果是，据美国金融研究公司sanfordbernstein分析师沃纳（mikewerner）估计，未来几年，农行的放贷额每年将增长19%。

Mr werner says that he is concerned about bad loans in the manufacturing sector , which were paid less attention as the market focused on the health of property developers .

沃纳称，他担忧制造业部门的不良贷款，制造业较少受到关注，原因是市场聚焦于房地产开发商的状况。

But mike werner , bank analyst at bernstein research , said a business model that remains based on aggressive expansion of the loan book means major players like bank of china and agricultural bank of china may have to ask investors for a fresh injection of funds as early as 2012-13 .

但研究公司bernsteinresearch银行分析师沃纳（mikewerner）说，这种仍然建立在大幅扩大贷款规模之上的商业模式意味着，中国银行和商业银行等主要银行可能不得不最早在2012年至2013年要求投资者注入新的资金。