For example, we had no financial crises when central banks instructed commercial banks to limit their lending to particular economic sectors that they believed were overheating, such as real estate or consumer loans. The Chinese authorities do it today, and they also set the minimum deposits banks must maintain with the central bank.
监管者也应该启用一些过去常用的方法。例如，当央行发现某些特殊领域，例如房地产或是消费信贷等领域出现经济过热现象，它就应该对商业银行与此相关领域的信贷作出限制。如今的中国政府就是这么做的，他们要求商业银行在央行有最低的存款准备金。