With the defeat of the Scottish referendum, it is clear that the UK will still have a single integrated banking and financial system for the foreseeable future. In the US, which similarly has an integrated banking system, the federal government steps in when banks in a state are in serious trouble.
比如，以银行系统政策为例。苏格兰公投失败后，很显然在可预见的未来英国仍将拥有单一的统一银行和金融系统。美国也具有类似的统一英航系统，联邦政府会在某个州的银行陷入严重麻烦时出手干预。美国人从惨痛的教训中了解到，坏的金融事件，即使一开始只是地方性事件，也能迅速蔓延到整个系统。