I underwent a stress test of a personal kind at 8 o’clock one morning three years ago when I was about to be interviewed on BBC Radio’s Today programme by the formidable John Humphrys. The subject was bank capital requirements, on which I thought the Bank of England had adopted a softer than prudent policy stance.1 A few minutes before the interview, as the news was being read, John Humphrys came into the room where I was waiting and said something like this: “It’s a complicated topic. We need to make it intelligible to the listeners. So is it alright to talk about bank capital as like a pot of money that they keep on one side for a rainy day?”

中文翻译：

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基于市场的压力测试的案例

三年前的一个早晨，当我正要接受强大的约翰·汉弗莱斯（John Humphrys）接受BBC电台的今日节目采访时，我接受了一种个人压力测试。主题是银行的资本要求，我以为英格兰银行采取了比审慎的政策立场更为柔和的态度。1采访前几分钟，正读新闻时，约翰·汉弗莱斯进入了我等待的房间，这样说：“这是一个复杂的话题。我们需要让听众理解它。因此，谈论银行资本就像在下雨天把钱放在一边的钱罐一样好吗？”