Mr Carney is respected for both his credibility and his creativity(a rare combination in the staid world of central banking). However, Canada’s relatively positive experience in recent years ultimately owes more to the structure of Canadian banking regulation than to the traits of its top overseer. It is from this that Britain should learn.
卡尼的可靠性和创造性受到尊敬(在刻板的央行领域,二者兼备难能可贵)。然而,归根结底,近年来加拿大相对良好的表现更多地应归功于加拿大的银行监管架构,而不是最高监督者的才能。这才是英国应该学习的。
Canada’s banking industry is highly concentrated, dominated by five large full-service banks that control more than 85 per cent of national bank lending. This market power translates into dependable profit margins. Canadian banks never fully embraced the credit-fuelled derivatives that brought down so many other banks – precisely because they were not so desperate for unconventional trading profit given the consistent profitability of their traditional asset portfolios.
加拿大银行业高度集中,五大全能型银行控制着全国85%以上的银行信贷投放。这种强势的市场格局保证了可靠的利润率。加拿大银行业从未完全接受导致众多银行破产的信用衍生产品——因为他们的传统资产组合具有稳定盈利能力,所以他们对非传统交易的利润不是那么渴求。
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