What is especially sophisticated about the new ideas cropping up in the US, Europe, India, China and elsewhere is the recognition that, as with drugs and toys, it is impossible to say in advance which financial products we should allow and which we should not, because we cannot conceive of all the products that can and will come to market. Hence, the need for a judgmental body that can look at a new product and form an opinion about its desirability.
而对于那些在美国，欧洲，印度，中国以及世界各地不断涌现的新理念来说，尤其复杂的地方则在于人们认识到正如药品和玩具一样，我们不可能事先察觉到哪些金融产品是可以通行的，因为我们不可能预想出所有可以或将要进入市场的产品。因此，我们需要建立一个实体来审查每一个新的金融产品，并对其设立的目的做出某种判断。