Under an international agreement known as Basel III, banks are to be required to hold a higher ratio of equity capital against “risk-weighted assets,” and leverage is to be limited to a smaller percentage of such assets. National regulators are exploring ways to vary ratio requirements over the business cycle, and have started subjecting banks to regular “stress tests.”
自危机以来，人们就开始致力于重建被摧毁的金融监管体系，以预防导致崩盘的“过度借贷”。新的信条是所谓的“宏观审慎规则”。在被称为巴塞尔III的国际协议中，银行将被要求持有更高的用于抵抗“风险加权资产”的权益资本比例，杠杆率则被限制在此类资产的较低比例。各国监管者正在探索根据商业周期调整比例要求的方案，并以开始对银行进行“压力测试”。