最近的一个市场失灵的例子是美国房地产市场泡沫，使得普通的房屋购买者和金融机构承担了过多的房地产价格风险。
The most recent example of markets going wrong was the American housing boom which prompted both ordinary homebuyers and financial institutions to become overexposed to property prices.
本月初，联邦银行监管机构对19家大型美国金融机构做了压力测试，并要求其中几家提高普通股本。
Earlier this month, federal bank regulators conducted stress tests on 19 large U.S. financial firms and forced some of them to raise common capital.
此次上调存款准备金率后，普通存款类金融机构将执行12%的存款准备金率标准。
After the raise, the deposit reserve rate of 12% shall apply to common deposit financial institutions.
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