In the current environment, with a renewed focus on regulating markets, institutions, and financial instruments, some international differences in scale, scope, and application of the new rules may be inevitable. But, without a broadly consistent approach, the authorities risk creating a legal patchwork that would make cross-border banking less efficient, more expensive, and more difficult to conduct.
总的来说，后危机时代国际银行业的前景已变得较为乐观。但监管可能改变这一状况。在当前环境下，人们的关注点重新回到了对市场、机构和金融工具的监管上。不同地区的监管规模、范围和新规则难免会有所不同。但是，如果没有广泛的一致方法，可能会出现各国监管各自为政的局面，跨国银行业务将因此变得效率更低、价格更高、也更难以驾驭。