不幸的是，新的巴塞尔III协议及其后的欧盟资本要求指令（EU Capital Requirements Directive）并没能纠正国际审慎规则的两大主要缺陷 — — 即对用银行风险管理模型计算资本要求的依赖以及对监督者缺乏可问责性。
Unfortunately, the new Basel III Accord and the ensuing EU Capital Requirements Directive have failed to correct the two main shortcomings of international prudential rules – namely, their reliance on banks’ risk-management models for the calculation of capital requirements, and the lack of supervisory accountability.