在开放市场中，盈利好的银行通过吞并盈利差的对手来解决过度银行化的问题。
In an open market, profitable Banks would solve this problem by swallowing their weaker rivals.
在过度银行化的德国，目前的三足鼎立体系阻碍了其银行间的组合并且激化了竞争。
The three-pillar system has obstructed consolidation in an overbanked country and has stifled competition.
在中国，有一种流行的说法是，为了不重复2007和2008年初金融领域的重大失误，中国将避开已经过度银行化的发达国家市场。
There is much talk in Beijing about avoiding overbanked developed markets, code for not repeating the disastrous forays abroad in 2007 and early 2008.
强制征收“巨灾保险”——发行银行核心资本过度缩水时可转成股本的可换债务——的想法得到了金先生的部分赞同。
Compulsory "catastrophe insurance" -issuing convertible debt that turns into equity if a bank's core capital falls too far-is an idea Mr King views with some favour.
他说：“在警告公司过度集中精力，或者警告银行系统中常见的信息渗漏的情况下，监管者不需要判断某一个特定的资产是否标价错误。”
“In warning against excessive concentrations or common exposures across the banking system, regulators need not make a judgment about whether a particular asset class is mispriced”, he says.
但尽管如此，依然有人认为银行一开始就反应过度了。
农业具有竞争力后会推高土地价格，从而增加对过度扩张的银行抵押品的数量。
And if more competitive farming pushed up land prices, it would boost the collateral held by overextended Banks.
她说，美国的投资银行做出了过度的贷款，制造了一个房地产泡沫，并且导致借贷者因为坏帐而出现资不抵债的现象。
She says American investment Banks have made excessive loans, which created a real estate bubble and made the lenders insolvent on bad debt.
国际清算银行也因近年发布明确的全球金融过度预警而声名大噪。
The BIS also stands out for issuing clear warnings of global financial excess in recent years.
富裕国家的需求仍然微弱，特别是在那些居民过度举债，银行系统遭到损坏的国家。
Demand in the rich world will remain weak, especially in countries with over-indebted households and broken banking systems.
他们已经厌倦了薪酬过高的金融家——特别是外国金融家——的抱怨，认为经济过度受制于银行业。
They are tired of the whingeing of overpaid financiers, especially foreign ones, and believe the economy has become overexposed to the banking industry.
部分银行和联储过度的信用创造导致了衰退的发生。
The genesis of a recession is caused by excessive credit creation on the part of Banks and the Fed.
从理论上看来，这样的智囊团理应能够察觉到美国房产膨胀会导致银行过度受制于次贷借贷者的金融状况。
In theory, such a council of wisdom would have spotted that the American housing boom was causing Banks to become overexposed to the finances of subprime borrowers.
据《广州日报》报道，临近岁末，放贷过度的银行为达到规定的存款准备金率不得不向居民揽存款"冲任务"。
Stressed by the Central Bank's reserve ratio, cash-ridden local banks and their brokers lure deposits by offering cash rewards, the Guangzhou Daily reported.
强制银行采取更高的资本充足率可以抑制过度投机。
Forcing Banks to adopt higher capital ratios may curb speculative excesses.
德国银行所面临的主要问题是过度竞争。
The main problem facing German Banks is that there are too many of them.
市场反应过度，股票下跌(尤其是大的银行)，安全资产如黄金的价格上涨。
Markets reacted badly, with shares down (particularly in big Banks) and safe assets, such as gold, rallying.
早在2006年初，克里斯滕森就对冰岛不断扩大的经常项目赤字、过热的经济和过度扩张的银行提出了警告。
Mr.Christensen warned in early 2006 about Iceland's yawning current-account deficit, its overheated economy and its outsized Banks.
历史上，严重的银行业危机主要伴随着企业的过度举债。
Historically, serious banking busts have mainly involved overborrowing by firms.
影子银行(注4)过度借款也造成了消费恐慌。
The excess borrowing that did for shadow Banks threatens consumers, too.
长此以往，银行监管机构就会成为限制银行承担过度风险的主要力量——而不是银行自身或它们的投资者。
Should this be allowed to continue, it will leave bank supervisors as the main restraint on excessive risk taking - not the Banks themselves or their investors.
美国走在了前沿，但是对央行银行家过度的的信任不太可能到此为止。
America is in the vanguard, but excessive faith in central bankers is unlikely to stop there.
答案再次归结为银行业过度承担的风险和它们所采取的杠杠率。
The answer comes back once again to excess risk taking and leverage in the banking sector.
过度的乐观会让你的投资者和银行家皱其眉头。
Being overly optimistic will raise eyebrows with your investors or banker.
过度的乐观会让你的投资者和银行家皱其眉头。
Being overly optimistic will raise eyebrows with your investors or banker.
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