观点manbetx app苹果 银行业

All banks should face the same tests on risk
中小型银行破产一样危险


桑坦德银行CEO萨恩斯:系统性风险只是在很小程度上与规模相关。正如英国经验所显示的,一家中小型银行的破产也可能引发系统性危机。

The architects of coming global financial reforms must soon decide how best to identify, measure and curb systemic risk in the banking system. Their initial reflex was to propose the break-up of banks that were seen as “too big to fail”. The shortcomings of this approach quickly became apparent, so the focus is now on a surcharge in the form of higher capital requirements, levied on those institutions deemed to be systemically significant. But this focus is too narrow.

未来manbetx app苹果 金融改革的设计师们必须很快决定如何最好的识别、衡量并控制银行体系中的系统性风险。他们的最初反应是提议分拆那些被视为“大得不能倒”的银行。这一策略的缺点很快变得明显起来,因此现在的关注点是以更高资本金要求的形式,对那些被视为具有系统重要性的机构进行额外收费。但这种关注过于狭隘。

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