However, this lending would have to be enforced by government diktat because the self-interest of the banks would lead them to focus on preserving and rebuilding their own equity.

• 然而，这种借贷只能由政府命令的形式推动，因为银行的利己心会让它们把钱存起来，关注如何重建其自身股本权益（而非发放贷款）。