最后，偿债能力比率应该有所补充 — — 通过让银行承担发行大量无抵押可转换债务（100%由其自有资本做支持）的义务来实现。
Finally, solvency rules should be complemented by an obligation that banks issue a substantial amount of non-collateralized debt – on the order of 100% of their capital – that is convertible into equity.