For example, the United Kingdom’s Independent Commission on Banking (ICB) has proposed ring-fencing retail activities from investment-banking activities in separately capitalized divisions of a bank holding company. This is a compromise aimed at minimizing the incentive to gamble with public insurance while allowing some economies of scale for banking activities.
比如，英国银行业独立委员会（ICB）的初衷是将零售业务与投资银行业务隔离，将它们放入银行控股公司两个资本互不干涉的部门中去。这是一种妥协，其目的是在允许银行业务存在一定规模经济的情况下使银行倚仗公共保险进行豪赌的激励最小化。