Moreover, we have regulators who have to regulate insurance companies and make sure that they have adequate capital.

此外监管机构,会规范保险公司的行为,并且确保其拥有充足的资金。

耶鲁公开课 - 金融市场课程节选

This has happened so many times in history that governments around the world now regulate banks and tell them that they have to hold a minimum amount of reserves and have a minimum amount of capital.

这在历史上已经发生多次了,如今,各国政府都在进行银行监管,并且告诉他们,他们必须留存最小金额的准备金,以及最小金额的资本金

耶鲁公开课 - 金融市场课程节选