New government regulations and internal risk-mandates will mean that credit won't flow as promiscuously.

WSJ: China Will Be a Winner in the New Economy

This, most believe, is best achieved by using banks' own credit-risk models, much as their internal models are used to allocate capital in trading operations.

ECONOMIST: Banking regulation

The suggested revision adds two ideas to the same basic regime: in deciding how much capital is needed, make greater use of, first, credit-rating agencies' measures of risk and, second, banks' internal risk-management models.

ECONOMIST: Economics focus