Tom Hoenig, a former president of the Federal Reserve Bank of Kansas City and now a top official at the Federal Deposit Insurance Corporation, advocates separating big banks’ commercial and securities-trading activities. The cultures never mesh well, and big securities businesses are notoriously difficult to manage.
与此同时，最高监管层已开始（精确地）考虑需要做些什么。我们的大银行必须变得更简单。前堪萨斯城联邦储备银行主席、现任联邦存款保险公司高管之一的汤姆·霍尼格（Tom Hoenig）支持将大银行的商业银行和证券交易活动拆分。这两种文化从未很好地融合，大型证券公司难以管理更是出了名的。