如今，银行股价格还不到账面价值，欲在此时筹集新的资本会让银行产生用削减信贷额度、缩小贷款业务量的办法让资产负债表缩水的激励。
Facing the prospect of having to raise additional capital at a time when their shares are selling at a fraction of book value, banks have a powerful incentive to reduce their balance sheets by withdrawing credit lines and shrinking their loan portfolios.