纽约时报-硅谷银行倒闭后，美联储开始审视银行监管法规part1(3)

与最大的银行相比，规模较小的银行面临的监管程度较轻，大银行要对自己的财务健康状况进行定期且广泛的测试，并必须更严格地监控在危机时期，它们必须提供多少易于动用的现金作为缓冲。
Regulators and lawmakers are focused both on whether a deregulatory push in 2018, during the Trump administration, went too far, and on whether existing rules are sufficient in a changing world.
监管机构和立法者既关注特朗普政府在2018年实施的放松监管是否过于放松，也关注现有规则是否足够适应如今不断变化的世界。
While it is too early to predict the outcome, the shock waves that Silicon Valley Bank"s demise sent through the financial system, and the sweeping response the government staged to prevent it from inciting a nationwide bank run, are clearly intensifying the pressure for stronger oversight.
虽然现在预测结果还为时过早，但硅谷银行倒闭给整个金融体系带来巨大冲击，政府为防止引发全国范围内的银行挤兑而做出全面回应，这些都显然在加大加强监管的压力。
"There are a lot of signs of a supervisory failure," said Kathryn Judge, a financial regulation expert at Columbia Law School, who also noted that it was too early to draw firm conclusions.
"有很多迹象表明存在监督失灵。"哥伦比亚大学法学院的金融监管专家凯瑟琳·贾奇说，她还指出，现在得出确定的结论还为时过早。
"We do need more rigorous regulations for large regional banks that more accurately reflect the risks these banks can pose to the financial system," she said.