改革银行改革

伦敦——

过去三年来,解决“太大而不能倒”难题的方案多如牛毛。许多学者和专家严厉指责监管者和央行根本理解不了所谓“狭义银行业”——即重回格拉斯-斯蒂格尔法案时代商业银行和投资/商人银行分业经营——显而易见的好处,也理解不了提高资本要求的益处。就算这些修正方法只实施其中之一,世界也将变得更安全、更美好,纳税人再也不必担忧要去拯救不负责任的金融家。

银行的回应是,它们可以随心所欲地亏损股东和储户的钱,这属于天赋人权,不可分割,任何对其业务的干涉都是对这一权利的无理攻击。此外,它们还说,提高资本权益要求可以轻易地通过更高的利率转移给借款人,给经济增长带来刺耳的刹车音。

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