第二，资本——银行资产和负债的预备金，的确是问题的核心所在。

Second, capital, the buffer between Banks' assets and liabilities, is indeed at the heart of the problem.

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第一，资本规定能够将银行系统的预备金扩大到能够保护纳税人免受损失的水平。

First, they can expand the system's buffer to a level which protects taxpayers from losses.

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简单的讲，银行上调预备金，就有大量的钱不能利用贷款的方式借出！这样，就少了热钱的流入！

Tell simply, reserve is moved on the bank, the kind that much money cannot use loan borrows! Such, heat up the afflux of money less.

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