各国的各项制度怎么记呢

问题如下：

A risk consultant is presenting on the evolution of macro-prudential stress testing requirements established in response to the global financial crisis of 2007 – 2009. The consultant compares features of the following three stress tests: • The 2009 Supervisory Capital Assessment Program (SCAP) test • The 2011 European Banking Association (EBA) test • The 2012 Comprehensive Capital Analysis and Review (CCAR) test Which of the following elements of these stress tests or their resulting impacts is correct for the analyst to include in the presentation?

选项：

A.Several Spanish banks failed the EBA stress test, and Spain imposed stricter countrywide stress tests the following year that resulted in some banks raising capital.

B.The SCAP stress test scenario was less severe compared to later US stress tests and did not result in any increased capital requirements for participating banks.

C.The CCAR test required banks to evaluate both a base case and a stress scenario, while the EBA test only included a stress scenario.

D.The SCAP test only disclosed overall loss rates for retail and commercial exposures, while the EBA test expanded disclosure to individual geographical regions and asset classes.

解释：

A is correct. Five Spanish banks did not pass the EBA stress tests, which resulted in another series of stress tests in Spain that led to increased capital requirements at 11 Spanish banks. B is incorrect. The SCAP was developed due to significant uncertainty about the strength of US banks coming out of the crisis, and 10 of the banks were required to raise a total of US 75 billion in capital. C is incorrect. CCAR required only a stress scenario, while EBA included both a base case and a stress scenario. This is still incorrect today as EBA still requires a baseline scenario (CCAR does too now.) D is incorrect. The SCAP test released loss rates by asset class including first lien mortgages, credit cards, and commercial real estate. This increased the disclosure dramatically over earlier US stress tests.