来自《耶鲁大学开放课程：金融市场 第13集 第13集》
-
a part of their liabilities as reserves,一部分债务资金用作准备金 -
like the goldsmith banker only holding part of the gold,就像金匠银行家只留存部分黄金一样 -
is a problem.这是个问题 -
The question is: how much reserves should a bank hold?问题是 银行该留存多少作为准备金呢 -
Bank failures occur当金库没有足够的黄金时 -
when there's not enough gold in the vault银行就会倒闭 -
and then people start asking for the gold因为当人们开始索要黄金时 -
and the goldsmith banker doesn't have it to give out.金匠银行家却拿不出来 -
The Basel Accord was in 19881988年签订了巴塞尔协议 -
and you can read about this in detail in Fabozzi, et al.你们可以在法博齐的书中读到详细的内容 -
It was an international convention that gave,巴塞尔协议是一个国际公约 它制定了 -
what they called, risk-based capital requirements风险资本要求