Observationally, there is a small fraction of solar white-light flares (WLF
s), the so-called type II WLFs, showing an increased visible continuum but
no significant Balmer jump and less strong chromospheric line emission in c
omparison with type I WLFs. The classical point of view, that the flare ene
rgy is initially released in the corona and then transported downward, can
hardly explain WLFs of this kind. In this paper we explore the possibility
that type II WLFs originate from a deeper layer. Assuming an in situ energy
release, in particular in the form of high-energy particles, in a region a
round the temperature minimum, the continuum emission is computed in differ
ent time stages during the hare evolution. At first, nonthermal excitation
and ionization of hydrogen atoms caused by bombarding particles result in a
decline of the visible continuum. Later on, the lower atmosphere is gradua
lly heated through radiative transfer, mitigating the continuum decline. In
the final stage, when the particle bombardment stops while the atmosphere
still keeps a heated state, we obtain a positive continuum contrast without
an obvious Balmer jump. This meets the condition required for type II WLFs
. The presence or absence of a continuum decline in the early stage of the
flare provides a diagnostic tool for nonthermal processes in the lower atmo
sphere.