Bernanke on Lessons Learned for Bank Supervision

 monitoring large or rapidly increasing exposures--such as to subprime mortgages--across firms and markets, rather than only at the level of individual firms or sectors; 

 assessing the potential systemic risks implied by evolving risk-management practices, broad-based increases in financial leverage, or changes in financial markets or products; 

 analyzing possible spillovers between financial firms or between firms and markets, such as the mutual exposures of highly interconnected firms; 

 ensuring that each systemically important firm receives oversight commensurate with the risks that its failure would pose to the financial system; 

 providing a resolution mechanism to safely wind down failing, systemically important institutions; 

 ensuring that the critical financial infrastructure, including the institutions that support trading, payments, clearing, and settlement, is robust; 

 working to mitigate procyclical features of capital regulation and other rules and standards; and 

 identifying possible regulatory gaps, including gaps in the protection of consumers and investors, that pose risks for the system as a whole.

只要银行在，只要金融机构在，系统总有倒闭的一天，因为矛盾，即使银监会和央行控制的再好，也只是推迟崩盘。