巴塞尔协议III与小型银行——实际影响是什么？

For smaller banks, direct capital requirements are usually less stringent than for G-SIBs, but the indirect impact through correspondent banking relationships and increased compliance costs for their partners can't be ignored. It often means more paperwork and potentially higher fees for services they rely on from larger institutions.

That's a really good question. I've always just assumed it's mostly flow-down, but it makes sense that there might be direct impacts too, especially with how interconnected everything is. I'm curious what specific direct requirements you're thinking of.

For smaller regional banks, the direct capital requirements are often less burdensome than the increased operational costs for compliance, especially around liquidity and enhanced risk management frameworks. They don't have the same scale to absorb those new costs easily.