Where, for example, a single bank is involved, it is likely that the debtor can negotiate informally with that bank and resolve its difficulties without involving trade creditors and without the need for formal proceedings to be commenced.
例如，如果涉及的是一家银行，那么债务人就有可能在不涉及贸易债权人和不必启动正式程序的情况下通过与这家银行的非正式谈判解决其困难。