Some suggest focusing on rapid increases in the volume of bank and nonbank lending to the non-financial private sector as an indicator that lending is growing riskier. Others recommend monitoring the leverage ratio, particularly the ratio of capital to assets in the banking system, on the grounds that banks are the weak link in the financial chain.
有人建议专注于流向非金融私人部门的银行和非银行的贷款量，将此作为贷款风险增加的指标。也有人建议监测杠杆率，特别是银行系统的资本-资产比率，因为银行是整个金融链的薄弱环节。