监管者需要对于银行自身的风险模型和评级机构更为信任，并且使用有关借贷限度的简单规则来补充其不足。
Regulators need to be able to put more trust in banks' risk models and rating agencies and supplement them with simple rules about the level of borrowing.
它最主要的缺陷是依赖评级机构和银行自己所承担风险的模型—银行一些漏洞恰是因此被曝光，这也使其声名狼藉。
Its chief failing is its reliance on rating agencies and the Banks' own models of the risks that they are carrying-an idea that has been discredited by the way Banks have been caught out.
二是由于信赖银行的风险模型和评级机构意见，审慎的监管机构未能充分衡量银行的风险。
And the failure by prudential regulators to measure bank risk adequately owing to their reliance on Banks' risk models and rating agency opinions.
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