Get with the cycle. An egregious unintended consequence of the great re-regulation post crisis was that, in haste to make banks safer, regulators removed any incentive for them to lend to the real economy. Unable to raise equity to meet new capital hurdles against strict deadlines, banks simply deleveraged. Banks were also required to build higher liquidity buffers to cushion them from runs.
順勢而為。“后危機時代”大力加強監管的一大意外惡果是，監管機構為了迅速提升銀行的安全性，已令銀行喪失了向實體經濟放貸的一切動力。由于無法在嚴格規定的期限前增加股本以達到新的最低資本比率，各家銀行便采取了減少債務的對策。監管機構還要求銀行建立更牢固的流動性緩沖，以抵御擠兌的沖擊。
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