回复23楼:你来帮着参详参详
https://www.apra.gov.au/news-and-publications/apra-seeks-to-increase-loss-absorbing-capacity-of-adis-to-support-orderly

“ for the four major banks – increasing Total Capital requirements by four to five percentage points of risk-weighted assets (see the illustrative example attached); and
for other ADIs – likely no adjustment, although a small number may be required to maintain additional Total Capital depending on the outcome of resolution planning.”
这是资本金比例，不是存款中有多少不能贷出去
巴塞尔3协议的capital requirement, 银行资本和风险加权的总资产之间比率
和准备金率两码事

“ for the four major banks – increasing Total Capital requirements by four to five percentage points of risk-weighted assets (see the illustrative example attached); and
for other ADIs – likely no adjustment, although a small number may be required to maintain additional Total Capital depending on the outcome of resolution planning.”
这是资本金比例，不是存款中有多少不能贷出去
巴塞尔3协议的capital requirement, 银行资本和风险加权的总资产之间比率
和准备金率两码事

“capital adequacy framework”
所以不是reserve rario，不是准备金率
而是资本金率，capital requirements
文章里写得很清楚了，“ 所以，现在发达国家基本上都把法定准备金降至5%以下，有的甚至降低到了零，媒体也鲜有报道。取而代之的，是再贴现和公开市场操作等金融工具，推进利率市场化，在实践过程中更具节奏和有效性。”