本文的目的是讨论如何利用征信体系中的公共信用信息系统(PCR)服务于新巴塞尔协议意义下的商业银行资本监管。
The paper aims systematically at investigating how to use public credit registry(PCR) to serve capital regulation of banking system under Basel II.
许多新奇工具的流行是因为他们可以绕过类似银行资本充足率一类的金融监管。
Many of the new-fangled instruments became popular because they got around financial regulations, such as rules on Banks' capital adequacy.
与IIF相比,瑞士的监管者们则认为对于该国两家大银行资本要求的大幅提升对经济的影响甚小。
In contrast to the IIF, Swiss regulators argue that the dramatic rise in capital levels at their two big Banks has had little impact on the economy.
It was an international convention that gave, what they called, risk-based capital requirements and recommended risk-based capital requirements to bank regulators around the world.
巴塞尔协议是一个国际公约,它制定了,风险资本要求,并且向各国的银行监管者,推荐风险资本要求
What was happening was, these banks were not being watched carefully enough; their capital requirements were not enough for the kind of assets they were investing.
当初是因为,对这些银行监管不力,它们的资本水平没有达到,投资这类资产的要求
What we've seen is a testing of the system -that we have regulatory requirements, that banks have enough capital -but this regulation is challenging because it's being stressed right now.
我们列举的这些案例都是对银行体系的考验,我们需要加强监管,以确保银行有充足的资本,但监管确实是一项艰巨的任务,因为现在面对的压力更大了
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