目前，审慎银行规则的政策考虑的最显著特征是委托巴塞尔银行监督委员会和银行本身来制定规则，这两者都是现行系统的既得利益者。
The most remarkable feature of the policy deliberations on prudential banking rules so far has been their delegation to the Basel Committee of Banking Supervisors and the banks themselves, both of which have a vested interest in preserving the existing system.