Indeed, proportionality is an important aspect of regulation, enabling prudential measures that, rather than exceed or underestimate, are commensurate with the risks that need to be addressed. Little wonder, then, that high levels of exclusion in developing and emerging countries have prompted policymakers to embrace proportionate regulation, thereby gaining the flexibility to encourage innovation in the provision of financial services while preserving financial stability.
事实上，适度原则是监管的一个重要维度，审慎的措施应该既非过度，也非不足，而是与需要解决的风险相一致。因此，毫不奇怪，发展中和新兴国家的高度金融排斥促使决策者采取适度监管，从而获得在鼓励金融服务创新的同时维持金融稳定。