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If there are always some banks that tend to seek loopholes to expand their risk-taking in heads-I-win-tails-the-public-loses scenarios, how can regulators decrease such idiosyncratic and

If there are always some banks that tend to seek loopholes to expand their risk-taking in "heads-I-win-tails-the-public-loses" scenarios, how can regulators decrease such idiosyncratic and systemic risks?

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