Another $1.5 trillion is needed to bring banks’ capital back to pre-crisis level, which is needed to resolve the credit crunch and restore lending to the private sector. So, the US banking system is effectively insolvent in the aggregate; most of the British banking system looks insolvent, too, as do many continental European banks.
还需要一点五万亿美元才能把银行资本带回到危机前的水平。人们需要这些钱才能解决信贷紧缩问题并且恢复向私营部门借贷。所以在整体上，美国的银行体系已经实际上资不抵债了。英国的银行体系大体上也是资不抵债，而且许多欧洲大陆的银行也是如此。