构建金融的稳定性

纽黑文 ——

全球金融危机已经持续两年时间,它的严重性指出了银行体系的基础架构出现基本性的问题。我们必须重新架构金融机构,因此,提升目前金融科技水平势在必行。

随着自身所持资产市值的缩水,银行的资本就会减少。在严重的金融危机之中,银行也很难融资,为了保持资本金的充足,它们不得不停止新发贷款,收紧未偿贷款,于是,整个经济 —— 如果还不是全球性的经济体的话 —— 就会进入失控状态。

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