This confluence of economic incentives to take on risk makes bank managers poor guardians of financial safety. They surely do not want their bank to fail; but, if the potential upside is large enough, it is a risk they may find worth taking.
冒险的经济激励让银行管理者不再是金融安全的守护者。他们当然不希望自己的银行倒闭；但是，如果潜在好处足够大，他们或许会认为风险值得担。