Platforms that offer basic deposit and loan facilities should be classified as banks, whose transactions entail credit, liquidity, and trading risks that merit prudential supervision alongside measures like risk-based capital requirements. Nonetheless, it is important not to overburden these firms with complex, high-level capital-adequacy requirements that would impede their operational flexibility.
提供基础存款和贷款便利的平台应归类为银行，它们的交易包括信用、流动性和交易风险，应通过基于风险的资本要求等措施进行审慎监督。尽管如此，要点在于不要用复杂的高水平资本充足度要求让企业不堪重负，妨碍它们的经营灵活性。