帮忙翻译关于金融的一句话，谢谢！

本来监管机构对银行等金融机构的准备金是有严格要求的，但随着近年来随着金融产品的推陈出新。。。

Have regulatory bodies for banks and other financial institutions are ready gold has stringent requirements, but as in recent years as new financial products. . .