A recent IMF study shows that better regulation would indeed nudge banks’ lending rates up, but by relatively little. We also found that increasing capital buffers to appropriate levels helps, rather than hurts, economic growth.
金融服务业很多人关注新法规的成本。国际货币基金组织最近的一项研究表明完善法规确实可能引发银行贷款利率微涨，但涨幅相对较小。我们进一步发现将资本缓冲增加到恰当水平可以促进而非损害经济的增长。改革金融部门税收也将有助于抑制过度冒险和杠杆使用。