Trust-busters argue that such “Chinese walls” always break down under pressure, owing to huge shareholder demand for universal banks to boost profits at the expense of a sound commercial banking core. And senior executives will still have a legal obligation to maximize profits.
信用投机者指出，这类“中国墙”根本顶不住压力，因为全能银行承受着巨大的股东要求，将不得不以牺牲可靠的商业银行核心为代价追求高利润。威克尔委员会的方案也需要依赖成熟的监管——假设监管者总能领先银行家一步，但历史表明，事实正好相反。