If modern banks are too big and too dangerous because they are too vulnerable, the most obvious way to make them safer is to demand higher capital requirements. Historically, that was the course advocated in most international discussions.
如果说现代的银行规模太大太危险，是因为它们太脆弱；要把它们改造得更安全，最直接一个办法是提高法定资本金。历史上的讨论多数是遵循这个思路。然而不幸的是，这个最直接的办法会削弱银行的放贷。在经济下行期，这是最不受欢迎的一个结果。