According to Michel Barnier, the EU commissioner spearheading the reform effort, the proposed measures – including regulatory authority to divide banks’ riskier trading activities from their deposit-taking business, and a ban on proprietary trading by the largest banks – would enhance financial stability and protect taxpayers. But the draft regulation falls far short of the recommendations made by a high-level expert group in 2012, which included an impermeable wall between banks’ speculative-trading business and their retail and commercial banking activities.
根据负责这场改革的欧盟委员米切尔·巴尼尔（Michel Barnier）的说法，改革方案措施——包括强制将银行的高风险交易活动与其揽储业务分离并禁止最大银行开展自营交易——将增强金融稳定性，保护纳税人。但监管草案的内容与2012年高级别转接小组的建议相去甚远，专家小组的建议包括建立一道绝缘墙，隔绝银行的投机性交易业务和零售及商业银行业务。