This could be achieved by unfunded pension obligations, which do not require that banks set aside the money in advance. Banks overseen by managers who had larger unfunded pensions weathered the financial crisis better than their counterparts, presumably because they had a stronger incentive to keep them safe.
这可以通过无拨付退休金机制实现，该机制不要求银行事先准备好资金。由无拨付退休金数额较大的管理者经营的银行在金融危机中的表现比同业更好，这应该是因为他们有更大的激励保证银行安全。