最后，国家监管者需要有创意，要使用超过全球最低标准的资本附加费去惩罚那些给纳税人造成更大威胁的银行。
Finally, national regulators need to be creative and use capital surcharges over and above the global minimum standard to "fine" Banks that pose a bigger threat to taxpayers.
然而这些政策也只是复制其他用来解决同样问题的策略，包括资本附加费、压力测试、“生前遗嘱”制度以及应对危机的自救性债券。
Yet these policies duplicate others designed to tackle the same problem, including capital surcharges, stress tests, living wills and a push to "bail in" bondholders when disaster strikes.
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