The Vickers report is elegantly argued, long and detailed. It has been welcomed in official quarters. But its proposals risk damaging a vital sector of the UK’s economy, hitting tax revenue and employment. Moreover, it does not achieve total bank safety. Its main target is the universal bank model, the combination of commercial and investment banking. But a well managed universal bank can be perfectly safe – something that is not fully recognised – and while the commission recommends increased regulation, relying on regulation without good management does not guarantee safe banking.
《维克斯报告》(Vickers)说理充分、篇幅很长且内容详尽。它受到了政界的欢迎。但这些提议可能会破坏英国manbetx20客户端下载 的一个关键领域，从而影响税收和就业。此外，这无法实现绝对的金融安全。该报告的主要攻击目标，是融商业银行和投资银行业务于一身的全能银行模式。但一家管理良好的全能银行，可能会非常安全（人们尚未充分认识到这一点）——尽管维克斯委员会建言加强监管，但没有良好的管理、只依赖监管，同样无法确保银行业的安全。