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.
尽管细节值得商榷,但欧美商业银行压力测试的基本逻辑无可辩驳。商业银行业在正常时期具有盈利能力,在危急时期则需要额外资本。所需额外资本数额由每家银行具体的风险敞口以及一系列manbetx20客户端下载 与市场事件的可能性组成的函数来确定。
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