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欧盟与美国的主要区别是,美国的银行业问题一直主要由联邦机构处置,而在欧洲,处置有问题银行的责任在各国政府银行业联盟回顾本次金融危机,许多人都赞同问题产生的关键是合作太少和过于分散——欧盟缺少一种制定金融政策的有效方式。但现在我们有了加强合作的明确范围,尤其是经历过本次危机之后,欧盟各国的偏好更加一致了。我们都希望银行受到更好的监督,而银行处置的社会成本是最低的。为了实现这一目标,我认为并不需要发明新机制,因为美国方式中有很多有效元素可以移植到欧洲使用。但必须承认,
The main difference between the EU and the United States is that the banking problems in the United States have always been dealt with by the federal agencies. In Europe, the responsibility for dealing with troubled banks is reviewed by the government banking alliances in various countries. Many people agree that the key to the issue Too little and too little cooperation - the European Union lacks an effective way of formulating financial policies. However, we now have a clear scope for strengthening cooperation. In particular, after experiencing this crisis, the preferences of EU countries have become more consistent. We all want banks to be better monitored, and the social costs of bank disposal are the lowest. In order to achieve this goal, I do not think it is necessary to invent a new mechanism because many of the valid elements of the U.S. approach can be transplanted to Europe. However, we must admit that,