美联储理事巴尔呼吁银行资本要求与压力测试脱钩并个性化定制

Core Viewpoint - The Federal Reserve Governor Barr emphasizes the need to separate bank capital levels from stress test results and customize them more closely based on individual bank conditions [1] Group 1: Stress Testing and Capital Requirements - Barr is seeking ways to maintain the rigor of stress tests amid industry calls for easing these tests [1] - He opposes increasing the transparency of stress tests and linking them to formulaic capital requirements, arguing it could lead to less targeted capital levels that do not adequately reflect a bank's unique business model, risk exposure, and risk profile [1] - Stress tests were introduced after the 2008 financial crisis to enhance banks' ability to withstand future economic shocks and assess their performance during hypothetical economic downturns [1] Group 2: Regulatory Approach - Barr believes that regulators should not weaken the stress testing process but should maintain its rigor [1] - He advocates for personalized capital requirements based on factors such as a bank's capital structure, risk level, complexity, and financial activities [1] - Barr has been a strong supporter of these stress tests [1]