The common ground of reform is the need to re-regulate the financial services industry. In the run-up to the crisis, experts loudly claimed that “efficient” financial markets could be safely left to regulate themselves.
改革的共同基础是我们需要重新监管金融服务业。在危机之前，专家们信誓旦旦地宣称，对于“有效”的金融市场，大可安心让它们自己监管自己。2006年，IMF宣布“信贷风险通过银行分散给各式各样的投资者……这让银行业乃至整个金融体系更加稳定……”可谓金融业强盗时代精神的写照。结果，“商业银行似乎……在冲击面前不堪一击。”