New rules limiting the scope of bank activities are in place in the United States, and soon will become law in the United Kingdom – and continental Europe could follow suit. Proponents of this view also claim that the megabanks are managing risk better than they did before the global financial crisis erupted in 2008.
金融业高管偏爱第一种说法，其核心观点是银行已经（或者很快会）采取所有必要的改革措施。银行的负债/资产比率已经低于2007年的水平。美国限制银行活动的新规定已经就位，而英国很快会就此立法——随后欧洲大陆可能会效仿。这一观点的支持者还声称银行巨头的风险管理比2008年全球金融危机爆发前做得要好得多。