But lower property values and tighter lending requirements mean a harder time getting new loans.

VOA: special.2009.09.04

Small banks have lower reserve requirements but it rapidly gets up to a standard.

小银行有低一些的法定准备金率,但是这个比率快速的上升到一个新的标准。

耶鲁公开课 - 金融市场课程节选