这是将银行贷款风险尺度过分单纯化，银行持有超出自身预算的资本也被认为是必要条件。

This is a simplistic measure of a bank's lending exposure, which can require a bank to hold more capital than its own calculations would deem necessary.

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过去二十年里，太多银行家们并没有强化自身的风险管理，而是将低标准的监管资本金条例作为衡量风险的尺度。

Rather than step up their own risk management over the past two decades, too many bankers used weak regulatory capital guidelines as the way to measure risk.

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