youdao

So central Banks and bank regulators need to act in concert to temper the credit cycle.

所以央行和银行监管者需要一致的行动来熨平信贷周期。

youdao

Phasing in the targets over time makes sense if regulators wish to avoid a credit crunch-weaker Banks may simply have stopped lending rather than raised capital to meet the new guidelines.

如果监管者希望避免一场信贷危机，那么分阶段去实现这些目标是合理的。因为那些较弱小的银行为达到新标准，会索性暂停借贷而不是筹集资本。

youdao

In October, a group representing several different banking and credit union regulators released new guidelines on how to better protect customer identities.

FORBES: Magazine Article

Put simply, in the absence of such incentives, the risk-averse funding that banks thrive on wouldn't be available to allow banks to create sprawling credit portfolios impossible for regulators or investors in the marketplace to assess.

WSJ: Jenkins: Yes, Let's 'Bail In' Depositors

There were plenty of regulators before the credit crunch, but the solution is apparently more regulation.

FORBES: Don't Invest In Political Footballs