监管者们应该关注功能：即如果某家金融机构的经营行为类似于银行，它就应该被作为一家银行来监管，无论该机构门牌上写的名称是什么。
Regulators should focus on function: if an outfit behaves like a bank, it should be regulated as one, whatever it says on the brass plate.
齐曼西? 穆托(Kimanthi Mutua)在肯尼亚经营一家较大的微型金融机构，名为K-Rep银行，他说2007年的时候每隔几周就会接到潜在投资者的电话，然而过去的六个月里，他 一个电话也没接到。
Kimanthi Mutua, who runs K-Rep Bank, a big Kenyan microlender, says that in 2007 he fielded calls from prospective investors every couple of weeks.
如今的金融机构都是那么的紧密相连，因此一旦某地出现一家经营不善的银行便会对世界各地运营良好的银行带来威胁。
And today's financial institutions, they are so 3 interwoven that a bad bank anywhere is a threat to good Banks everywhere.
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