There were economies of scale and scope, and financial firms typically like the idea of a one-stop (or, at worst, a two-stop) shop. A single regulator might also be expected to develop a more coherent view of trends in the financial sector as a whole.
荷兰模式是把审慎监管指责归于央行，而澳大利亚模式是成立单独机构。这些集中式机构似乎具备诸多优点。它们符合规模经济和范围经济，金融企业通常也喜欢一站式（最糟糕也只是两站式）监管。单一监管者也许还能有助于形成对金融部门整体趋势的一致看法。