Soft budget constraint greatly reduced the effect of banking risk supervision, so it's not easy to realize the safety and stability of financial system only with minimum capital requirement.
银行软预算约束的存在使银行业风险监管的有效性受到了很大的影响，仅通过最低资本规定无法有效实现金融体系的安全性和稳定性目标。
The fourth chapter analyzes the effect of farmers' financial knowledge on their credit constraint.
第四章分析了农户金融知识对其信贷约束的影响。
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