This is how Tarp ought to work. The Treasury secretary should begin by asking the banking supervisors to produce an estimate for each bank, how much additional capital they would need to meet the statutory requirement of 8 per cent. The supervisors are familiar with the banks and are aggressively examining and gathering information. They would be able to come up with an estimate in short order provided they are given clear instructions on what assumptions to use. The estimates would be reasonably reliable for the smaller, simpler institutions, but the likes of Citibank and Goldman Sachs would require some guesswork.
以下談?wù)剢?wèn)題資產(chǎn)救助計(jì)劃應(yīng)如何實(shí)施的問(wèn)題。保爾森應(yīng)從要求銀行業(yè)監(jiān)管機(jī)構(gòu)提供各銀行估算數(shù)據(jù)著手，弄清楚它們需要多少額外的資本金，才能達(dá)到法定8%的資本金充足率要求。監(jiān)管機(jī)構(gòu)對(duì)這些銀行的情況較為熟悉，正積極審核并收集信息。如果得到有關(guān)使用何種假設(shè)的明確指令，銀行業(yè)監(jiān)管機(jī)構(gòu)將能夠在短時(shí)間內(nèi)提供估測(cè)數(shù)據(jù)。對(duì)規(guī)模較小、較為簡(jiǎn)單的金融機(jī)構(gòu)的估測(cè)數(shù)據(jù)將較為可靠，而對(duì)花旗銀行(Citibank)和高盛(Goldman Sachs)等機(jī)構(gòu)，則需要一些臆測(cè)。