For these purposes, the presence of a single reserve fund or [overcollateralisation] available to cover losses from either credit or default risk may be regarded as an indication that these risks are managed in an aggregate manner.
Za te namene se lahko prisotnost enotnega rezervnega sklada ali [presežnega zavarovanja s premoženjem], ki je na voljo za kritje izgub zaradi kreditnega tveganja ali tveganja neplačila, šteje za pokazatelj, da se ta tveganja upravljajo skupaj.