According to estimation, the banks will lose about 200 billion dollars in this financial crisis. Most of the bad debts are from business real estate loan default. The government has conducted a stress test on the 19 biggest financial institutions and found ten did not pass the test. They are ordered to submit plan by June 8 to raise capital of 74.6 billion dollars to meet the "safe" reguirement. The government vowed it will not allow them to fail. As a result, so far they have raised 48 billion dollars from investors. But the smaller banks are not that lucky. The government did not back them up. Not many investors are willing to buy their stocks. Many of them have heavy stake in business real estate loan. Thier problem is no lesser than the bigger banks. They go through their difficulties by selling their assets and decreasing lending. Some of them have declared bankruptcy. So far there are already 58 banks go bankrupted.