Northern Rock was a narrow bank, with only retail customers, and Northern Rock failed; Lehman Brothers was a pure investment bank, but Lehman too failed. The issues in financial reform are to do with the behaviour of businesses, not the structure of their industry.
北岩(Northern Rock)是一家狭义银行，只有零售顾客，北岩倒闭了；雷曼兄弟(Lehman Brothers)是一家纯投资银行，但雷曼也倒闭了。因此有人说，金融改革的问题在于企业的行为，而不是产业结构。
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