Its members proposed that universal banks be obliged to set up ring-fenced retail-banking subsidiaries with a much higher share of equity capital. Only the retail subsidiaries would be permitted to rely on the central bank for lender-of-last-resort support.
在英国，政府成立了维克斯委员会（Vickers Commission）起草解决方案。其成员建议全能银行应有义务成立股本资本比例更高的独立的零售银行分支。只有零售分支可以允许依靠中央银行的最后贷款人支持。