Skyscrapers in downtown urban area

大银行的终结

发自华盛顿特区——在美国及欧盟经历了近十年的危机,救市和改革后,金融体系——无论是在这些国家和全球——变得非常与2006年时的样子非常相似。自2010年以来人们尝试施行了多项金融改革,但总体效果却相当有限的。一些大银行陷入了困境,而其他一些则取而代之。无论是2008年全球金融危机之前还是今时今日,金融版图上照样是十几个大银行一统天下的局面。但如今金融业正发生着某种变革,而大银行可能很快也将沦为明日黄花了。

没有几个官员私下对金融改革的进展感到满意。不过在公开场合,他们大多都比较收敛,但明尼阿波利斯联邦储备银行总裁尼尔·卡什卡利(Neel Kashkari)则最近激起了人们共鸣,因为他呼吁要对在应对那些“大而不能倒”的金融机构所导致的问题上所取得的进展进行重新评估

卡什卡利自2006年开始在美国财政部长亨利·M·保尔森(Henry M. Paulson)手下任职。此人不仅旁观了金融危机的全过程,更亲身参与其中;2008年10月,他就任负责问题资产救助计划的副部长,受命稳定金融体系。他也是一位同时在高盛(大型银行)和太平洋投资管理公司(大型资产管理公司)工作过的共和党人。因此当他发表“我认为那些大银行仍然是大而不能倒,并继续对我们的经济构成显著且持续的风险。”这番谈话时自然就引起了人们的警觉。

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