經濟,財務,統計學,數理科學與政治評論

My dear American people:

  Sorry for my lousy English! But this time, you have a big problem. As your banks get bigger and bigger, it may lead to two problems. One is the small scale company who can not get enough fundings for their own business development. And the other issue is you still in the danger of financial systemic risk. If those financial institutions get big trouble from their investment banking department, it may jeopardize the whole company. And even more,those holding companies may have big troubles and let your financial system to fail AGAIN. To be honest, a lot of people still think that the separation of investment banking and commercial banking is the only good idea nowadays.

  The separation of those banking departments can have a stable financial system. This time, the separation should come with the new regulation on investment banking. You should have rules for those investment bankers. The Lehman Brothers gives us a hard lesson. You finally found that there is no rule can be put on those investment banks. It causes a big problem when they have business relations with other financial institutions, like insurance companies. The contagion effect strikes. The things gets even ugly when those institutions has the long-term funds saved from ordinary people. According to those situations, a lot of people think this time YOU should be different. The States should have strict laws for those investment bankers. The USA should requires more capital reservation on the financial institutions with lager department of investment banking. This is the first priority that the States should pay attention.

  A lot of people think the separation promotes the employment and let the rate go down even faster than we think. It is a hypothetical theory which remains to be confirmed. But it may be a good idea to divide those banks to where they were several years ago.