该帖子的作者凯迪·法兰特（Katie Farrant）和玛格达·鲁特科夫斯卡（Magda Rutkowska）认为，公司行为可能因为金融危机而已经发生了改变，难以获得银行融资导致他们永久性增加想现金缓冲。
The authors, Katie Farrant and Magda Rutkowska, suggest that corporate behavior may have changed as a result of the financial crisis, as difficulties in accessing bank financing led them to increase their cash buffers permanently.