高盛 Goldman sachs 转型原因

The main reason is the impact of sub-loan crisis,sub-loan investment bank led to a large amount of losses,facing bankruptcy,if the transition to commercial banks,it may lead to one of the greatest benefits,you can apply for loans to the Federal Reserve,while the investment bank is unable to do so
In addition,the sub-prime crisis,the investment bank's criticized the most,because their own investment bank to develop a lot of financial derivatives,capital adequacy ratio is too low,excessive use of high leverage ratio,to the neglect of the existence of risk,its transformation into commercial banks,and then the capital adequacy ratio of 8 percent to be reached,but also the Federal Reserve to implement more stringent controls,because the regulator of banks in line to vote than the more stringent