In the United Kingdom, banks have been criticized for not lending the reserves created by quantitative easing to the real economy, leading the Bank of England to introduce its “funding for lending” scheme in 2012. In the eurozone, it is hoped that this year’s asset quality review (AQR) and stress tests will finally dispel concerns about bank solvency and free up credit supply.
在英国，人们批评银行没有将量化宽松所创造出来的准备金贷给实体经济，导致英格兰银行在2012年引入“贷款专用资金”（funding for lending）机制。在欧元区，人们希望今年的资产质量检查（asset quality review）和压力测试最终能够打消关于银行偿债能力的疑虑，解放信用供给。