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.
美國國際集團(AIG)的垮臺帶給我們一個深刻的教訓：不應容許金融服務企業像AIG那樣挑選自己的監管機構。但梅利莎•賓恩(Melissa Bean)和埃德•羅伊斯(Ed Royce)不顧這個明顯的警告，在衆議院提出了爲保險公司制定「非強制性聯邦憲章」的法案，即保險公司可以在州立和聯邦監管機構之間任意選擇和變更。要想真正發揮效力，監管機構和企業之間的關係必須如婚姻般長久而忠誠，而不是像一夜情那樣短暫而隨意。
