全球几大银行提议全面改革

飞雪寒冰

全球规模最大的一些银行正提议进行全面改革，这些改革将限制其自身的业务规模及范围，这是迄今对困扰市场一年有余的信贷危机最戏剧性的反应之一。
  The world’s biggest banks are proposing sweeping reforms that would limit the size and scope of their own businesses in one of the most dramatic responses so far to the credit crisis that has roiled markets for more than a year.

   
提议将限制未来复杂金融产品的投资者基础，将大片衍生品市场纳入监管机构的视野，并要求银行在技术和风险管理方面大举加大投入。
The proposals would limit the size of the future investor base for complex financial products, bring large swathes of the derivatives markets into regulators’ sights and require banks to spend significantly more on technology and risk management.

   
其结果是，许多本世纪初推动华尔街和伦敦金融城走向繁荣的证券化业务规模将明显缩减，同时银行家们可能面临更为严格的监管。
The consequence is that many of the securitisation businesses that helped fuel the boom on Wall Street and in the City of London early this decade could be far smaller and bankers could face tougher oversight.

飞雪寒冰

高盛的董事总经理、纽约联邦储备银行前行长杰拉德•科里根(Gerald Corrigan)负责牵头一项研究作为上述提议的依据，他表示：“没有人（对于问题的严重性）还存在任何幻想。”
“No one has any illusions any more [about the severity of the problems],” said Gerald Corrigan, managing director of Goldman Sachs and former head of the Federal Reserve Bank of New York, who led the study on which the proposals are based.

   
“这些改革固然将成本高昂，但与金融机构近几个月经历的数千亿美元减记相比，这些成本微不足道，更不用说危机引发的经济脱节和扭曲了。”
“Costly as these reforms will be, those costs will be minuscule compared to the hundreds of billions of dollars of writedowns experienced by financial institutions in recent months, to say nothing of the economic dislocations and distortions triggered by the crisis.”

   
支持改革提议的银行包括摩根大通(JPMorgan)、美林(Merrill Lynch)、花旗(Citigroup)、汇丰(HSBC)、雷曼兄弟 (Lehman Brothers)和摩根士丹利(Morgan Stanley)。
The proposals are backed by banks including JPMorgan, Merrill Lynch, Citigroup, HSBC, Lehman Brothers and Morgan Stanley.

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