Big has never been badder. In the US, President Barack Obama wants to add to the existing 10 per cent cap on a bank's share of deposits. Another cap, targeting total liabilities, is on the cards. If 10 per cent remains the magic number for whatever reason, it does not really matter what is targeted – assets, liabilities or even size relative to economic output – the top three US banks would probably exceed the cap. Together they even have a bigger share of total liabilities, say, at about 45 per cent, than they do of deposits, at 30 per cent.
規(guī)模大從來沒有像現(xiàn)在這樣糟糕。除了銀行存款份額不可超過10%的現(xiàn)有限令，美國總統(tǒng)巴拉克?奧巴馬(Barack Obama)希望再上一條。針對總負(fù)債的另一條限令可能即將出臺。如果10%依然是那個神奇數(shù)字（不管原因為何），那么限制的對象就不重要了——無論是資產(chǎn)、負(fù)債還是相對于經(jīng)濟(jì)產(chǎn)出的規(guī)模，美國三大銀行大概都會超出上限。它們的負(fù)債合計占到銀行業(yè)總負(fù)債的45%，甚至比30%的存款份額還要高。