当事情正变糟之时,“数字”(银行的流动性与偿付能力)仅是管窥蠡测而已。很明显,其他诸因素正显露出来(2008年的金融危机已佐证于此)。事情在何处开始变糟?原因何在?可有亡羊补牢之策?银行作为资金富余者与渴盼借钱者之间的中介。简言之,银行靠“玩”钱而挣钱的。在某些文化与传统下,此视为内在的不道德。但在这儿,则认为是完全可接 When things are getting worse, “number ” (bank liquidity and solvency) is just a glimpse into what it means. Obviously, other factors are emerging (as evidenced by the 2008 financial crisis). Where do things start to get worse? The reason why? There can be remedial measures? Bank as an intermediary between the surplus and longing for borrowers. In short, banks make money by playing “money”. Under some cultures and traditions, this is seen as inherently immoral. But here, it is considered completely acceptable