Thus, during periods of expansion, when banks are eager to fund ever more risky borrowers, the reserve ratio rises, curbing potentially disruptive asset bubbles or overinvestment. For those countries capable of designing and implementing prudential regulations, management of cross-border capital flows becomes less useful and less desirable.
这类政策的其中一个例子是将银行的法定存款准备金率与信贷业务扩大的速度或商业周期的不同阶段联系起来。因此，在扩张期间，当银行急于向偿付风险更大的借款人贷款时，提升存款准备金率，抑制潜在的破坏性资产泡沫和过度投资。对于那些能够设计和实施审慎监管的国家来说，跨境资本流动管理就显得不那么有用也不太可取。