这就是评判一些可预见的抱怨的背景,这些抱怨称,后危机时代的监管制度负担过重,将阻止银行像危机之前那样出色地支持经济。在英国,抱怨尤其强烈的是针对将零售银行业“圈护(ringfence)起来、与其他活动隔离的计划。这些抱怨往往来自与银行业相关的人士。但这些人当然会抱怨,难道不是吗?
Ringfencing retail banking was one of the proposals of the Independent Commission onBanking, established by the UK government in 2010 (I was a member). The commission’sterms of reference required it to make UK banks safer without undermining globalcompetitiveness. The ICB’s package of proposals also included greater “loss absorbency —more funding by equity and debt that is readily convertible into equity.
对零售银行实施圈护是银行业独立委员会(Independent Commission on Banking,简称:ICB)提出的建议之一,该委员会由英国政府在2010年建立(我是其中的成员)。ICB的权限要求它在不影响英国银行全球竞争力的情况下使它们更安全。ICB的一揽子提案还包括更强的“亏损吸收能力——更多股权筹资以及更多随时可转换为股权的债务。
Martin Taylor, former Barclays chief executive, member of the ICB and now Bank of EnglandFinancial Policy Committee member, has powerfully elucidated the logic behind ringfencing. Ithad, he notes, three chief goals.
【英国为何应圈护零售银行业】相关文章:
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2020-09-15
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