此外，一刀切的固定下限可能促使银行将同等资本用于风险更大、回报也更大的贷款；而动态系统允许降低风险最低的按揭贷款的下限，而对风险较大的贷款要求较高的下限。
And, whereas a single, fixed floor might push banks toward riskier loans that offer higher returns for the same amount of capital, a dynamic system would allow lower floors for the lowest-risk mortgages and require higher floors for riskier loans.