????現(xiàn)在，請在認(rèn)為美國大銀行應(yīng)當(dāng)進(jìn)行拆分的頂尖金融界高管名單當(dāng)中加上查理?芒格的名字。

????美國有線電視新聞網(wǎng)（CNN）對伯克希爾-哈撒韋（Berkshire Hathaway）年度股東大會進(jìn)行的一次報道中，沃倫?巴菲特的主要副手芒格表示，他認(rèn)為美國大銀行仍然太過復(fù)雜，可能威脅到美國經(jīng)濟(jì)。他不認(rèn)為美國參議員謝羅德?布朗和大衛(wèi)?維特最近提出的提案能解決這個問題，雖然這項提案已經(jīng)得到其他呼吁加強大銀行管制人士的稱贊。

????芒格說：“我認(rèn)為，如果在提高大銀行的資本金要求后允許銀行為所欲為，大銀行將再一次陷入麻煩。”

????芒格的首選方案似乎是更為嚴(yán)苛的沃克爾法則；沃克爾法則包含在多德-弗蘭克法案（Dodd-Frank）中，旨在限制銀行的高風(fēng)險交易，但迄今尚未實施。他希望能強制銀行退出衍生品承銷和交易業(yè)務(wù)。衍生品指的是可對大宗商品、利率和其他金融標(biāo)的進(jìn)行投機（有些人稱之為對沖）的金融合約。大約一年前，摩根大通（JPMorgan Chase）宣布，一項未按預(yù)期發(fā)展的信用衍生對沖交易導(dǎo)致該行損失了數(shù)十億美元。

????“我認(rèn)為，銀行業(yè)應(yīng)當(dāng)?shù)玫礁鼑?yán)格的監(jiān)管，”芒格說?！拔覀儾粦?yīng)看到這些享有存款保障的銀行擁有如此龐大的衍生品業(yè)務(wù)?！?/p>

????過去一年來，已有一小部分前華爾街高管【包括前花旗（Citigroup）CEO桑迪?威爾】表示，他們支持銀行業(yè)務(wù)拆分。但對于芒格而言，最值得一提的是他不僅僅是一位金融界資深人士。他還是伯克希爾的最高管理者之一，而這家公司是美國銀行（Bank of America）和富國銀行（Wells Fargo）等美國大銀行的最大投資者之一。

????不過，芒格似乎認(rèn)為，推動變革是監(jiān)管機構(gòu)的職責(zé)，而不是大投資者的責(zé)任。芒格表示，他和巴菲特的投資決定都是根據(jù)現(xiàn)狀，不是愿景。當(dāng)然，這也沒錯。

????Add Charlie Munger to the list of top financial executives who think the nation's biggest banks should be broken up.

????In an interview with CNN at Berkshire Hathaway's annual meeting, Munger, who is Warren Buffett's chief lieutenant, said he thinks the big banks are still too complicated and dangerous for the economy. But he doesn't think a recently proposed bill by SenatorsSherrod Brown and David Vitter, which has gotten praise from others who want to rein in big banks, is the answer.

????"I think if you increase the capital requirements and let them do what they want, they will just get in trouble again," says Munger.

????Munger's preferred prescription sounds like a stricter version of the Volcker Rule, which was meant to limit risky trading at the banks and was included in Dodd-Frank, but has yet to be implemented. He would force the banks to get out of their business of underwriting and trading derivatives, financial contracts that allow you to speculate, some say hedge, on commodities, interest rates, and other things. About a year ago, JPMorgan Chase (JPM) announced it had lost billions on a credit derivative hedge that had not worked out as expected.

????"I think banks should be more heavily regulated," said Munger. "We shouldn't have vast derivatives books in banks with insured deposits."

????In the past year, there has been a small stream of former top Wall Street executives, including former Citigroup (C) CEO Sandy Weill, who have said they are now for breaking up the banks. What's notable about Munger, though, is that he is not only a financial services veteran. He is also one of the top executives of a company, Berkshire (BRKA), that is one of the largest investors in some of the nation's largest banks, including Bank of America (BAC) and Wells Fargo (WFC).

????Still, Munger seemed to suggest it was the role of the regulators, not big investors, to push for changes. Munger said he and Buffett make investment decisions based on the world they are in, not what they wished it to be, which is fair.