The clearest and most effective way to simplify regulation has been advanced in a series of important papers by Anat Admati of Stanford (with co-authors including Peter DeMarzo, Martin Hellwig, and Paul Pfleiderer). Their basic point is that financial firms should be forced to fund themselves in a more balanced fashion, and not to rely so heavily on debt finance.
斯坦福大学的阿德马蒂（Anat Admati，合作者摆阔德玛佐（Peter DeMarzo）、赫尔维格（Martin Hellwig）和普费勒德勒（Paul Pfleiderer））的一系列重要论文进一步阐释了最清晰、最有效的简化监管方法。基本要点是金融企业应该被强制以更平衡的方式为自身筹集资金，不能过度依赖债务融资。