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全球银行标准的威胁

伦敦—2008年金融危机极大地提高了全球标准制定者的地位。一夜之间,巴塞尔委员会(它负责制定国际银行监督标准)开始引领财经新闻。曼哈顿和肯辛顿(Kensington)的晚宴派对上充斥着关于巴塞尔II的细节和顺周期资本要求的弊端的闲言碎语。被质疑进行国际干预的政府急切地渴望更加严格的全球规则以防止银行危机溢出国界,像亚洲流感一样传染给其他国家。

这一热情的具体结果就是金融稳定委员会(FSB),它脱胎于金融稳定论坛,于2009年4月在G20伦敦峰会上成立,其成员包括所有G20成员国的代表以及巴塞尔委员会和其他机构的规则制定者。G7主导模式不再,人们希望更加广泛的参与能为增加银行系统资本要求带来更加全面的接受和更多政治支持。

所有这些变化都起了作用,但作用有限。比如,巴塞尔III规则将个体银行的资本要求提高了一倍,并加强了资本的质量。金融系统也因此看上去更加安全了。但如今,危险迹象表明加强全球标准——事实上,是一切共同标准——的努力可能正在消退。

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