Northern Rock was a narrow bank, with only retail customers, and Northern Rock failed; Lehman Brothers was a pure investment bank, but Lehman too failed. The issues in financial reform are to do with the behaviour of businesses, not the structure of their industry.
北巖(Northern Rock)是一家狹義銀行，只有零售顧客，北巖倒閉了；雷曼兄弟(Lehman Brothers)是一家純投資銀行，但雷曼也倒閉了。因此有人說，金融改革的問題在於企業的行爲，而不是產業結構。
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