The ICB did not recommend full separation between retail and investment banking because itsaw the advantages of diversified risks. But it was also aware that balance sheets of UK bankswere five times GDP, far higher than in comparable countries. The UK had to limit itsexposure. Critics make a number of objections. One is that there is no reason to supposeinvestment banking is riskier than retail banking. That is true. The ICB did not think otherwise.But retail banking is surely more indispensable.
ICB并未建议将零售银行业和投行业完全分离,因为它看到了风险分散化的优势。但它也意识到,英国各银行的资产负债表总规模达到国内生产总值(GDP)的5倍,远高于其他可比国家。英国作为一个国家必须限制自己的敞口。批评者提出许多反对意见。其中之一是,没有理由假设投行业比零售银行业务风险更高。这话没错。ICB也这样认为。但零售银行业无疑是更加不可或缺的。
Another gripe is that the ringfence makes British banks uncompetitive in global banking. But ifother governments wish to subsidise investment banking, that is their choice; it is not anargument for the UK to do so, too.
也有人抱怨称,圈护政策使英国的银行在全球银行业失去竞争力。但是,如果其他国家的政府希望补贴投行,那是他们的选择;这不是英国也要这样做的理由。
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2020-09-15
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