【英文學習】Fed律定各大銀行資本需求

2021年8月5日，聯準會律定各大銀行持有的最低資本門檻，並於10月1日生效。

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翻譯

Following its stress test earlier this year, the Federal Reserve Board on Thursday announced the individual capital requirements for all large banks, effective on October 1. Those capital requirements ensure that the large banks tested will hold roughly $1 trillion in high-quality capital—enough to survive a severe recession and still be able to lend to households and businesses.

根據去年度壓力測試結果，聯準會於周四完成率定並宣布各大型銀行資本需求，要求各大型銀行持有約1兆美金的高值資產，以確保在經濟退時還能夠放款給個人或企業。

Large bank capital requirements are in part determined by the Board's stress test results, which provide a risk-sensitive and forward-looking assessment of capital needs. The below table shows the total common equity tier 1, or CET1, capital requirements for each bank, which is made up of several components, including:

各大銀行資本需求是根據各銀行壓力測試的結果所律定的，能夠符合各銀行於風險發生時的資需求。下表為各銀行第一級資產需求表，內容包括：

• Minimum capital requirement, which is the same for each firm and is 4.5 percent;
• The stress capital buffer, or SCB, requirement, which is determined from the stress test results, and is at least 2.5 percent; and
• If applicable, a capital surcharge for global systemically important banks, or G-SIBs, which is at least 1.0 percent.

• 最低資產需求各銀行皆為4.5%。
• 資產壓力緩衝需求根據壓力測試建立，至少為2.5%。
• 若銀行具有全球系統性影響力，還要再加1%。

The Board also affirmed the stress test results for one bank that requested reconsideration, HSBC North America Holdings Inc. The reconsideration process involved an independent group—separate from the stress testing group—that analyzed and evaluated the results. While affirming HSBC's stress test results for this cycle, the Board also directed the staff to conduct a closer examination of issues raised in the reconsideration process to inform continuing improvements in its stress testing methodology for next year's stress tests.

聯準會確認有一家銀行有申請要重新評估，就是滙豐銀行北美控股公司。重新評估程序包括獨立分析及確認壓力測試節我。本年度執行該項重新評估同時間，聯準會也會將發現的問題及解決方案納入明年度壓力測試的方法裡。

單字、句型

• stress test：壓力測試
• capital requirements：資本需求，記得用複數
• hold roughly $1 trillion in high-quality capital：介係詞用in

心得

聯準會每年為各大銀行實施壓力測試，並依據結果要求各大銀行保留能夠應付經濟衰退的資本需求，這對經濟有保護作用，也能間接保護到股票投資人。

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