银行可以在繁荣时期建立额外储备金，对高风险借款人增加风险筹码，和对抵押贷款市场规定贷款价值比率。

These included the right to force Banks to build up extra reserves during boom times, increase risk-weights on high-risk lenders and impose loan-to-value ratios in the mortgage market.

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这个机构的储备金早已被一些具有风险的贷款严重侵蚀，这些贷款是因2008 - 09年时为支持房地产市场而形成的。

Already, the agency's reserves have been heavily eroded by risky loans it took on in 2008-09 to shore up the housing market.

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