Admati and her colleagues recommend requirements that force financial firms to generate equity funding either through retained earnings or, in the case of publicly traded firms, through stock issuance. The status quo allows banks instead to leverage taxpayer assistance by holding razor-thin equity margins, relying on debt to a far greater extent than typical large non-financial firms do.
阿德马蒂及其同事建议采取强制金融企业通过利润留存或（若为上市公司）发行股票的方式进行股权融资的要求。目前的监管规则允许银行只持有极薄的股本缓冲，充分利用纳税人的资助，金融企业的负债率远高于典型的大型非金融企业。苹果等大公司几乎一分钱债务都没有。更多地依靠股本能够为银行提供强大得多的损失吸收缓冲。