大银行修补行动

伦敦 ——

拆分和规制这两种备选方案,正主宰着当前关于银行业改革的讨论;而两者间的争议可以追溯至美国总统富兰克林·罗斯福的“新政”之早期阶段。当时“托拉斯克星”与规制者之间也出现了纷争。

对于银行业而言, 1933 年的格拉斯 - 史蒂格法令托拉斯克星派胜出,这一法案将商业银行与投资银行进行了分离,并为银行存款提供了担保。但随着格拉斯 - 史蒂格法的逐渐解体,以及该法在 1999 年的最终废止,银行家派战胜了托拉斯克星派与规制派;而为商业银行提供存款保险的做法却得以维持。正是这种在很大程度上不受规制的体系,在 2008 年走向崩溃并波及全球。

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