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Capital Standards\uff0cICS\uff09\u4e2d\u7684\u4e09\u7c43\u6cd5\uff08Three\uff0dBucket Approach\uff09\u6240\u6b63\u5f0f\u63a1\u7528\u3002\u66f4\u9032\u4e00\u6b65\uff0c\u7f8e\u570b\u7684\u516c\u6709\u9000\u4f11\u91d1\u57fa\u91d1\u4ea6\u61c9\u7528\u6b64\u6982\u5ff5\u5c07\u8a08\u7b97\u9000\u4f11\u91d1\u73fe\u503c\u7684\u6298\u73fe\u7387\u9023\u7d50\u5230\u57fa\u91d1\u8cc7\u7522\u7684\u9810\u671f\u5831\u916c\u7387\uff0c\u6709\u8208\u8da3\u7684\u8b80\u8005\u53ef\u53c3\u8003\u767c\u8868\u65bcReview of Financial Studies \u7684Andonov, Bauer and Cremers 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