One clear lesson of the AIG meltdown is that a financial services company should not be allowed to choose its own regulator, as AIG did. Despite that obvious warning, Melissa Bean and Ed Royce have introduced legislation in the House of Representatives to institute an “optional federal charter” for insurance companies, meaning insurers could select between state and federal regulation and switch back at will. To be truly effective, the regulatory relationship should be long-term and committed, like a marriage, not ephemeral and casual, like a one-night stand.
美国国际集团(AIG)的垮台带给我们一个深刻的教训：不应容许金融服务企业像AIG那样挑选自己的监管机构。但梅利莎•比恩(Melissa Bean)和埃德•罗伊斯(Ed Royce)不顾这个明显的警告，在众议院提出了为保险公司制定“非强制性联邦宪章”的法案，即保险公司可以在州立和联邦监管机构之间任意选择和变更。要想真正发挥效力，监管机构和企业之间的关系必须如婚姻般长久而忠诚，而不是像一夜情那样短暂而随意。