Just over 10 years ago, the UK experienced, with Northern Rock, its first visible bank run in one-and-a-half centuries. That turned out to be a small event in a huge crisis. The simplest question this anniversary raises is whether we now have a safe financial system. Alas, the answer is no. Banking remains less safe than it could reasonably be. That is a deliberate decision.
10年前,北岩银行(Northern Rock)遭遇挤兑,这是英国一个半世纪以来首次发生看得见的银行挤兑事件。随后发生的事情证明,这只是重大危机中的一个小事件。在北岩事件10周年之际,最简单的问题是我们现在是否有了安全的金融体系。唉,答案是否定的。银行业的安全性依然低于合理水平。这是银行业有意为之。
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