Problems with incentive pay have been ignored. The most highly touted change – the separation between proprietary trading and commercial banking (also known as the “Volker rule,” after former US Federal Reserve chairman Paul Volker) – has nothing to do with what caused the crisis, and most likely was approved because it was ineffective.
多德-弗兰克法案的不足之处还能举出很多很多。货币市场基金存在不当激励促使它们承担过度风险，这一问题大致上仍然保持着原状。激励薪酬的问题被忽视了。被吹得最神的变革——将自营交易部门和商业银行部门相分离（即所谓的“沃克尔规则”，以前美联储主席保罗·沃克尔的名字命名）——与危机起因根本毫无关系，而其之所以被通过，最大的可能是因为它根本不会见效。