Back in 2013, when memories of the financial crisis were still fresh(ish), US banking watchdogs made a joint, solemn pact. If any American bank lent money to companies with high leverage — defined as six times more debt than earnings before interest, tax, depreciation and amortisation — then regulators at the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency and the Federal Reserve would crack down.
2013年，当人们对金融危机的记忆还比较新鲜时，美国银行业监管机构联合达成了一项庄严的约定。如果任何一家美国银行向公司贷出高杠杆贷款（即债务达到息税折旧及摊销前利润(EBITDA) 6倍以上），那么美国联邦存款保险公司(FDIC)、美国货币监理署(OCC)以及美联储(Fed)的监管者将予以打击。
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