This reason is that it ignores the different risk preference of individual bank and banks may choose asset portfolio at high risk to retard the efforts of the regulators.

• 理由在于：传统资本管制方法忽略个别银行风险态度的差异性，银行可藉由投资策略的调整，提高其风险性资产之持有比率，以资突破资本管制对银行获利空间的藩限。