One issue is the risk weighting of assets, a process by which banks adjust the size of theircapital buffer to account for the riskiness of their lending. Studies by both the BaselCommittee, a club of central bankers and supervisors, and the EBA have found wide andunjustifiable variations in the way banks risk-weight their assets, even when asked to do sofor identical hypothetical portfolios. The consequences of such variations can be significant.If the euro areas biggest banks were forced to abandon their internal risk-weightingmodels and instead apply cruder standardised models, many would see their core-capitalratios decline by several percentage points . The ECB is likely to push for greaterconsistency in risk weighting, which could force banks in France, Germany and elsewhere toraise capital.

　　其中一个问题是资产的风险加权，通过风险加权，银行可以调整资本缓冲规模冲抵其贷款风险。央行行长和监事俱乐部巴塞尔委员会和欧洲银行管理局的研究发现银行中广泛存在各种不合理的资产风险权重方式，甚至是为了相同的假设投资组合。这些方式的后果是严重的。如果欧元区最大的银行被迫放弃他们内部的风险权重模型，许多银行会发现它们的核心资本比率下降几个百分点。欧洲央行很可能会推行更大规模统一的风险权重，会迫使法国德国以及欧洲其他地方的银行筹集资金。

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