The new Consumer Financial Protection Board is also a deterrent, as banks consider it safer to lend to the government, large corporations, and giant real-estate speculators. The banks can report record profits without much risk, rebuild capital, and pay dividends and bonuses.
新的消费者金融保护委员会也成了妨碍因素，因为银行认为借钱给政府、大公司和大型房地产投机商更加安全。银行可以报告利润，有不同承担高风险；可以冲减资本；可以支付股票红利和奖金。而美联储也可以暗自庆幸，大银行用难以看到的方式用了纳税人的钱。