本论文主要是研究有问题银行监管的政策机制设计。
This paper focuses on policy mechanism of Problem Bank Regulation.
特别是，监管者处理“局外人”——即那些在金融危机中损失高于平均水平的银行——问题是至关重要的。
In particular, it is vital that regulators deal with the "outliers", Banks that lose more than average in a crisis.
无法依照针对银行监管和打击金融犯罪的标准对逃税和税收竞争问题上定下国际标准，利率与税率上的不一致就是其原因。
This is why there is no international standard on tax evasion or tax competition along the lines of international standards on bank regulation or fighting financial crime.
在最近的一份监管文件中，富国银行暗示它的法律问题可能扩大。
In a recent regulatory filing, Wells Fargo hinted that its legal troubles could multiply.
欧盟似乎正在认识到真正问题所在——对跨国银行的监管体系。
Here the EU has identified a genuine problem-the system for supervising cross-border Banks.
纵然可以把顺周期循环的问题留给银行监管者，会计准则的制定者们依旧有很多值得耗费精力的事情。
Even if they leave procyclicality to bank regulators, standard-setters still have a lot on their plates.
监管者对于谁来经营银行这个问题十分敏感：有报道称，TPG向WaMu的监管者承诺，不会使用所持股份来行使控制权。
Regulators are jumpy about who runs banks: TPG has reportedly promised WaMu's supervisor that it will not use its holding to exercise control.
银行的监管者们长期以来一直忽视了消费者保护问题。
美国想借用监管机构有新的权力，找到并解散一些他产认为有问题的机构，同时美国也美国坚持银行准备自己的生前遗嘱。
The US is relying on new powers given to regulators to seize and break up institutions that they deem to be in trouble, as well as insisting on Banks preparing their own "living wills".
由于涉及到利益问题，令人惊讶的是，欧洲的银行监管者们的并不准备在旨在重建恢复地区银行系统信心的压力测试当中加入更多细节。
Given the stakes involved, it's surprising that European bank regulators aren't being more forthcoming with details of the stress tests aimed at restoring confidence in the region's banking system.
监管者是否同意大型银行继续控制票据交易所，是很有争议的问题。
It's an open question, though, whether regulators will prevent large Banks from controlling the clearinghouses.
他们最关注的一个问题就是：对受监管的银行而言，从与他们目前进行债务交易的对冲基金类隐蔽的机构那里它们所遇到的风险到底有多大？
One of their biggest concerns is how much danger there may be to regulated Banks from the faceless institutions they now do much of their debt trading with: hedge funds.
如果把大银行分割成小银行并不能解决问题，起码监管部门应该把处理已经遇到过的危机变的更容易一下。
If chopping up big Banks into smaller pieces is not necessarily the answer, at least regulators could make it easier to deal with disasters once they have happened.
新法律希望监管者能够迅速评估问题银行，然后施行紧急手术治疗。
It is hoped that regulators will be able to assess ailing Banks quickly and then perform emergency surgery.
然而，这主要是一个会计问题，而不是资产质量问题，由于监管规则迫使银行记录信用卡资产。
However, this is primarily an accounting story rather than an asset quality story, as changes in regulatory rules forced the bank to write down credit-card assets.
乌克兰赫夫纳（译者注：该国货币名称）的稳定性问题、哈萨克银行系统的缺乏监管，以及匈牙利借贷者欠下大量瑞士法郎贷款的问题，通通都推到了决策者的桌前。
The stability of the Ukrainian hryvnia, the ill-regulated Kazakh banking system, and Hungarian borrowers’ penchant for loans in Swiss francs are subjects crowding on to policymakers’ desks.
过多的监管者还只是立足于本国，从狭隘的角度关注金融系统的不稳定性问题，即使银行灾难带来的全球化恶果也难以改变他们的看法。
Too many supervisors still think about financial instability in narrowly national terms, even though catastrophes at big banks have international consequences.
现在有一种很强烈的意识就是，监管者已经回答了一个不怎么重要的问题(应该以什么方式去支付银行家们酬劳)，同时也忽略了一个对大多数人来说更为重要的问题：应该支付给他们多少薪酬？
And there is a strong sense that regulators have answered the subordinate question (how should bankers be paid?) while ignoring the one that matters most to people: how much should they be paid?
“目前重要的问题是，我们已采取行动加强银行监管，”一位央行官员表示。
"The important thing right now is that we have acted to strengthen bank regulation," says one central banker.
如何防范金融机构的腐败问题，如何完善国有商业银行的监管成为社会关注的热点。
How to against the corrupt problem of the financing institution, how the perfect and state-owned commercial bank Supervision hot point that become society's pay attention to.
银行监管部门担心的是银行业的安全问题，而银行管理人员担心的是如何为股东创造价值的问题。
The regulators are mainly concerned with the safety and soundness of the banking system and the bank managers are worried about how to create shareholders' value.
论文主体的第四部分为我国网络银行风险的法律监管现状及存在的问题。
The fourth part is about status and existing problems of legal supervision of risk in China's Internet banking.
从防范和化解金融风险的目的出发，我国的银行监管机构在实践中也曾多次运用接管的方式处理问题商业银行。
In order to prevent and dissolve financial crisis, China's banking supervision institutions have tackled the commercial bank problems by means of taking over for many times.
这些挑战包括信息不对称，监管部门、社会公众以及存款人之间的利益冲突，以及银行业的收益与风险的匹配问题。
These challenges include information asymmetry, regulators, depositors and the public the conflict of interests between the banking industry and the matching of income and risk issues.
国际会计准则制定者和谨慎的监管者们需要进行更紧密的沟通，以处理这些由于银行独特的系统特征而产生的问题。
He concluded by calling for closer dialogue between global accounting standard-setters and prudential regulators dealing with these and other issues arising from the 'unique systemic nature of Banks'.
国际会计准则制定者和谨慎的监管者们需要进行更紧密的沟通，以处理这些由于银行独特的系统特征而产生的问题。
He concluded by calling for closer dialogue between global accounting standard-setters and prudential regulators dealing with these and other issues arising from the 'unique systemic nature of Banks'.
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