金融危机的教训和“占领运动”的此起彼伏，使金融业声誉大降，对金融创新的监管也日益强化。

The teaching of the financial crisis and"Capture movement"Break out of the,Financial industry reputation big drop,The supervision of financial innovation is increasingly strengthening.

　　例如，英国金融服务管理局（FSA）极大收紧了对那些想在英国经营存款业务的海外银行的管理，要求这些银行必须在英国开设受当地监管、自身拥有现金和资本金的子行，以便在母行破产时可以保护储户和纳税人。FSA还要求金融机构不能向员工发放和产品销售业绩挂钩的奖金，以防止为了奖金而采取激进销售方式。

Such as,Britain's financial services authority(FSA)Great for those who want to tighten in the UK business deposit business overseas bank management,Request the bank to open in the UK by the local regulation/Its own cash and capital son line,In order to do when mother bankruptcy can protect savers and tax payers.FSA also require financial institutions to the employees can't issue and product sales performance hook bonus,In order to prevent for the prize and aggressive sales mode.

　　但在许多银行家看来，这标志着全球金融服务市场正走向割裂，可能推高放贷成本，迫使跨国银行撤离某些市场。

But in many bankers looks,This marked the global financial services market is to split,May push up the cost of lending,Forced multinational Banks leave some market.

　　笔者赞同对金融业加强监管，但认为必须防止一个误区，即由政府命令而不是顾客体验作为判断金融服务好坏的标准。金融业并非没有潜力帮助塑造一个更公平公正的世界，但如果过度监管，这些潜力可能化为无形。哥伦比亚大学商学院院长哈伯德（R. Glenn Hubbard）在教科书《货币、金融体系与经济》中指出，“金额体系把资金从收入大于支出的一方，转移到想要购买耐用品或者有生产性投资机会的一方。这个匹配过程增大了一个经济体生产商品和服务的能力。”就此而言，中国的突出问题是，资金富余的一方缺少输出资金的有效渠道，而资金的需求方常常无处觅资欲哭无泪。这种不匹配注定会抑制和收缩经济应有的潜力。

The author agrees with to the financial industry to strengthen supervision,But think must prevent an error,The government ordered rather than customer experience as a financial service quality judgment standard.The financial industry is not no potential to help shape a more fair and just world,But if excessive regulation,These potential may into intangible.Columbia University business school dean hubbard(R. Glenn Hubbard)In the textbook[currency/The financial system and economy]that,"The amount of funds from the system of income more than spending a party,Transfer to want to buy durable goods or productive investment opportunities in the party.The matching process increases the an economy the ability to produce goods and services."For that matter,China's outstanding problem is,The surplus funds on one side of the lack of the effective channel output funds,But money is home-textile often find information too deep for tears.This does not match were meant to be inhibition and shrinkage economy should have potential.

　　所以，中国金融业未来发展的主线，是“对金融体系进行扩大化、民主化和人性化的改造”、让各类金融机构在普通民众的生活中更常见、影响更积极（罗伯特·希勒，《金融与好的社会》）。希勒打了个比方，金额危机前的繁荣期，金融业如同高速公路上所有人都在超速行驶。危机后怎么办？可以建议机动车的设计者把精力用在研究如何通过新科技帮助驾驶员更好地应对各种路况，可以改进车辆的巡航控制系统，可以改进车辆外部信息反馈系统，直到发明可以无人驾驶的车辆——所有这些改进措施都是为了帮助驾驶员更便捷、更安全地到达目的地。

so,The future development of China's financial industry main line,is"On the financial system of enlargement/The transformation of democratization and human nature"/Let all kinds of financial institutions in the ordinary people's life more common/More positive influence(Robert shearer,[Finance and good social]).Alan shearer played a figure of speech,The amount of crisis before the boom,The financial industry as highways are all in speeding.Crisis what to do after?Can suggest motor vehicle designer to channel your energy into study how to use new technology to help the driver to better deal with all kinds of traffic,Can improve the vehicle cruise control system,Can improve the vehicle external information feedback system,Until the invention can unmanned vehicle - all of these measures is to help the driver more convenient/More safely arrived at the destination.

　　换言之，把金融业拉回正途的方式不是离开“高速公路”，钳制金融创新，而是站在顾客立场去考虑如何开展“使金融业更加民主化”、更贴近顾客的那些创新。古话说，“夫有以噎死者，欲禁天下之食，悖。”但愿金融业时刻“因您而变”，而非因噎废食。

In other words,The financial industry back to the right direction way not to leave"highway",Strangulation of financial innovation,But when I stand in the customer's position to consider how to develop"Financial industry more democratic"/More close to the customer the innovation.Old saying said,"Husband have to choke the dead,To the world's food,contradiction."I wish time financial industry"Because of you change",Rather than of.