Those dastardly banks are at it again, fudging their balance sheets so they can hold less capital. Like most debates around banking, the discussion about the extent to which banks can game the system to lower their risk-weighted assets (and hence their capital requirements), would benefit from less grandstanding. The European Banking Authority, in a useful contribution on Tuesday, estimates that some banks have up to a 70 percentage point lower risk weighting across their credit books than their peers, and that only half of the difference is due to easily explainable factors.
这些卑鄙的银行又在动歪脑筋了，他们粉饰资产负债表以减少需要持有的资本。正如多数围绕银行业的辩论一样，有关银行在何种程度上蒙蔽体制以减少风险加权资产（从而降低资本要求）的讨论，还是少一些装腔作势为好。欧洲银行管理局(EBA)周二做出有益贡献，发表估算结果，称某些银行信贷账目中的风险加权资产比同行最多低了70个百分点，而造成这一差距的诸多因素中，仅有一半是显而易见的。