美联储理事迈克尔·巴尔对延长压力资本缓冲期限及此次压力测试情景表示反对。理事莉萨·库克则表 示，在有时间审议最终方案和公众意见之前，她对更广泛的压力测试改革"保留判断"。 ...

Core Viewpoint - The article discusses a significant regulatory overhaul in the U.S. banking sector under Trump's administration, aiming to reduce restrictions on banks to foster economic growth and market competitiveness. This "deregulation" movement focuses on loosening capital and operational constraints on banks, which has immediate positive effects on investor returns and bank activities [1][2]. Group 1: Deregulation Measures - The Federal Reserve has reduced the size of its bank regulatory department by approximately 30% and is now focusing only on "significant" risks affecting banks' solvency, rather than administrative details [1]. - The Federal Reserve has approved a comprehensive reform of the annual stress testing process, allowing banks to know the testing standards in advance and provide feedback, which critics argue undermines the rigor of the tests [1][3]. - Major Wall Street firms have responded to the expectations of deregulation by increasing dividends and announcing significant stock buyback plans, with JPMorgan Chase revealing its largest stock repurchase program in history [1]. Group 2: Capital Requirements Changes - New risk capital measurement rules are being negotiated, which will determine required capital based on the risk level of bank assets, significantly reducing capital requirements for large U.S. banks compared to previous proposals [4]. - The regulatory body has finalized plans to relax the supplementary leverage ratio, which previously constrained banks' ability to purchase U.S. Treasury securities and act as market intermediaries [4]. Group 3: Inclusion of Cryptocurrency - Regulatory agencies are actively working to integrate cryptocurrency into the traditional banking system, with the FDIC drafting guidelines on how deposit insurance applies to blockchain digital deposits [5]. - The OCC has approved requests from five cryptocurrency companies to obtain U.S. banking licenses, marking a significant shift from previous regulatory stances that viewed the industry with skepticism [5]. Group 4: Concerns Over Financial Stability - Despite the positive reception from the banking industry regarding deregulation, there are concerns from academics and former officials about potential systemic risks, with warnings that reduced oversight could allow banks to transfer risks to the public [7]. - Critics argue that the current policies represent a reckless combination of deregulation, which could lead to a catastrophic financial crisis, particularly highlighting the bubbles forming in cryptocurrency and artificial intelligence sectors as potential triggers [7].

据报道，美联储周五公布了对大型银行年度"压力测试"的全面改革。根据美联储理事会当天稍晚将进行 表决的提案，银行将获得更多关于压力测试运作方式的资讯，包括公开原本保密的模型并征求意见，以 及公布每年设计假设性经济衰退场景的过程，这些场景是压力测试的基础。美联储监管副主席鲍曼表 示，这项改革将为压力测试带来久违的透明度。不过，美联储理事巴尔强烈反对这项改革，称公开太多 测试细节将使其"变得更弱且不具可信度"。巴尔警告，银行将能够精准调整帐面数据，以最低资本要求 通过测试，而这些资本原本是用来抵御潜在损失的。预计美联储理事会将推进这项提案，并在征求公众 意见后于明年定案。 ...

美联储将于10月24日开会，讨论压力测试的改革问题。 来源：滚动播报 ...