The design of optimal regulation has to take into account the intensity of competition in the different banking segments. For example, capital charges should account for the degree of friction and rivalry in the banking sector, with tighter requirements in more competitive contexts.
最优监管的设计必须考虑到不同银行细分部门的竞争的激烈程度。比如，资本费用应该体现银行部门的摩擦和竞争，竞争性越强的部门，资本要求应该收得越紧。