美联储将推出自特朗普上任以来最重要的银行监管规则改革

美联储副主席Randal Quarles。 图片来源：JONATHAN ERNST/REUTERS

The Federal Reserve is expected to complete some of the most significant changes to bank rules since President Trump took office, setting up a new way of deciding which large banks are hit with its toughest regulations.

美国联邦储备委员会（简称：美联储）将会推出美国总统特朗普(Donald Trump)上任以来最重要的一些银行规则改革，设立新的方式来决定要针对哪些大银行实施其最严格的监管规定。

The Fed announced last Thursday it would vote Oct. 10 on a measure to ease liquidity and capital rules for large U.S. banks, signing off on a plan that may lower regulatory costs for regional U.S. lenders under the $700 billion asset line. Foreign banks with operations in the U.S. are also expected to win relief.

美联储上周四宣布，将于10月10日就一项放松美国大型银行流动性和资本金规定的措施投票，启动一项计划，该计划可能会降低资产在7,000亿美元门槛之下的美国地区性银行的监管成本。在美国开展业务的外国银行预计也将迎来监管放松。

Under a proposal released a year ago, the Fed would divide large U.S. banks into four categories based on their size and other risk factors. Regional lenders would be either entirely free from certain capital and liquidity requirements or see those requirements reduced.

根据一年前公布的一项提议，美联储将根据规模和其他风险因素将美国大型银行分为四类。地区性贷款机构要么完全不受某些资本和流动性要求的约束，要么面临的要求会有所降低。

The Fed also said it planned to ease requirements that large banks plan annually for their own demise, completing a measure on what are known as living wills that it formally floated this spring.

美联储还表示，计划放松大型银行每年制定“生前遗嘱”的要求，完成了一项今年春天正式提出的有关生前遗嘱的措施。

While no one rule change thus far has been monumental, the collective changes represent a significant step to soften the impact of the Dodd-Frank law, signed in 2010 to ward off another meltdown.

到目前为止，还没有一项规则变化具有重大意义，但这些变化整体上代表着软化多德-弗兰克法案(Dodd-Frank law)影响的重要一步。该法案于2010年签署，旨在防止另一场金融危机。

Andrew Ackerman

2019年10月4日19:19 CST 更新

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