In the US context, the Riegle-Neal Interstate Banking Act of 1994, which set a size cap so that no bank can have more than 10% of retail deposits, needs to be amended. We need to update and enforce this sensible general notion and set a limit on how big any bank can become relative to the overall economy.
第二，如果银行“大到不能破产”，那就必须缩小规模，纳税人没有义务在每次危机爆发时救助它们。在美国， 1994 年的尼格尔－里尔跨州银行和分支机构效率法需要修改，该法案规定，没有银行可以拥有超过 10% 的储户。我们需要应该明确银行的规模大到什么地步就必须限制。