: Treasury Secretary Steven Mnuchin testifies before the Senate Finance Committee Aaron P. Bernstein/Getty Images

金融业足够安全了吗?

坎布里奇—全球金融危机十年后,全世界决策者仍在评估如何最好地阻止银行倒闭再次拖累经济的风险。两份最新出版物——一份来自美国财政部,另一份来自美联储经济学家——为情况提供了一个指标。

美国财政部报告考察了是否要用完全基于法庭的机制取代2010年多德-弗兰克法(Dodd-Frank Act)的监管者领衔的破产大银行清盘程序。财政部的研究是在总统特朗普的指示下进行的,他受到几位共和党国会领袖的压力——如得克萨斯州众议员、众议院金融服务委员会主席杰布·亨萨林(Jeb Hensarling)——他支持用法庭取代监管机构。

最终,尽管财政部赞扬了倒闭银行基本破产(basic bankruptcy)的优点,但拒绝撤销监管机构领衔银行重组的权力。亨萨林对财政部的结论表示非常失望,和同事们坚持多德-弗兰克是政府不恰当干预的范例,很有可能拿纳税人的钱来援助银行。

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