Though their details deserve debate, the underlying logic of the US and European commercial bank stress tests is irrefutable. Commercial banking in normal times is profitable. In exigent circumstances additional capital is needed. The requisite amount of additional capital is a function of the specific exposures of each bank and the probability of a confluence of economic and market events.
盡管細(xì)節(jié)值得商榷，但歐美商業(yè)銀行壓力測試的基本邏輯無可辯駁。商業(yè)銀行業(yè)在正常時期具有盈利能力，在危急時期則需要額外資本。所需額外資本數(shù)額由每家銀行具體的風(fēng)險敞口以及一系列經(jīng)濟(jì)與市場事件的可能性組成的函數(shù)來確定。
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