Enforcing total separation instead of ring-fencing would provide a stronger barrier, but at a potentially high cost, including a risk to financial stability. After all, full separation implies that resources from elsewhere in a given banking group are unavailable to address a retail-banking crisis resulting from, say, a slump in residential and commercial property prices.
强化总体分离而不是隔离将形成更严格的壁垒，但潜在成本也很高，包括金融稳定风险。毕竟，完全分离意味着存在于给定银行集团别处的资源无法被用于解决因为住房和商业地产价格下跌而导致的零售银行危机。