Regulators from Europe and the U.S. came up with an agreement that would force Banks to keep more capital on hand, as a cushion when loans go bad.

来自欧洲与美国的监管者们制定了这项协议，迫使银行手头持有更多资金，从而当不良贷款发生时能够有所缓冲。

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It should not go unnoticed that a superabundance of community respect and social capital are being accumulated by precisely those who share.

我们更不应忽略，乐于分享的人们获得了来自各种社群的敬意，社会资本因此得以不断地累积。

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Why not simply require Banks to run with higher capital ratios, rather than go through a circuitous route by smoothing profits, which investors tend to dislike?

为啥不简单的要求银行提高资产比率呢，而不是通过采用这种投资者不太喜欢的减少利润波动的迂回方式。

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"Companies that need a lot of capital go for the public markets, " says Alex R.

FORBES: Magazine Article

Because capital is usually, and legitimately, a small percentage of assets, capital can easily go to zero and a perfectly sound institution can be declared insolvent and taken over by its insurer or some other government agencies.

FORBES: Magazine Article

This allowed higher payouts, but meant there was less of a capital buffer should anything go badly wrong.

ECONOMIST: Equitable Life: The blame game | The