Treasury Secretary Scott Bessent on Wednesday foreshadowed an expansive review of regulations intended to prevent bank failures, arguing that less-burdensome rules would eventually help offset any negative effects of President Trump’s tariff policies.
美國財政部長斯科特·貝森特（Scott Bessent）週三預示了對旨在防止銀行倒閉的法規進行廣泛審查，他認為，負擔較輕的規則最終將有助於抵消特朗普總統關稅政策的任何負面影響。

“The deregulation unfortunately takes longer to kick in, but I tell you when it does it's going to be powerful,” Bessent said during an interview on Fox Business.
“不幸的是，放鬆管制需要更長的時間才能生效，但我告訴你，當它生效時，它會很強大，”貝森特在接受福克斯商業頻道採訪時說。

In a subsequent speech before the American Bankers Association, Bessent outlined a list of initiatives the Treasury Department would take with banking regulators. Those include:
在隨後在美國銀行家協會（American Bankers Association）的一次演講中，貝森特概述了財政部將與銀行監管機構一起採取的一系列舉措。這些包括：

Changing the ratio of safe assets banks must hold on their balance sheet relative to their overall exposure, known as the supplementary leverage ratio. Bessent said the changes will allow banks to buy more securities without taking a big capital charge, creating “larger more durable” buyers of Treasurys.
改變銀行資產負債表上必須持有的安全資產相對於其整體風險敞口的比率，稱為補充槓桿率。Bessent 表示，這些變化將允許銀行購買更多證券，而無需支付高額資本費用，從而創造“更大、更持久”的國債買家。

Adjusting regulations around the amount of capital banks must hold to protect against times of economic stress, in part to level the playing field between large and small banks and nonbank lenders. Bessent said this could include reduced requirements for mortgages and other loans that are core business for community banks.
調整銀行必須持有的資本金額的法規，以抵禦經濟壓力時期，部分原因是為了在大型和小型銀行與非銀行貸款人之間創造公平的競爭環境。Bessent 表示，這可能包括降低對作為社區銀行核心業務的抵押貸款和其他貸款的要求。

“We should ask ourselves why so much financial activity has moved out of the regulated banking system,” Bessent said, adding that regulation, including capital requirements, was to some degree responsible.
“我們應該問問自己，為什麼這麼多金融活動已經離開了受監管的銀行系統，”Bessent 說，並補充說，包括資本要求在內的監管在某種程度上是負責任的。