Article 4 When exercising regulation and supervision, the banking regulatory authority shall follow the principles of law-abiding, openness, impartiality and efficiency.

第四条银行业监督管理机构对银行业实施监督管理，应当遵循依法、公开、公正和效率的原则。

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Article 5 Performance of the duties of supervision in accordance with law by banking regulatory authority and its staff members engaged in supervision shall be protected by law.

第五条银行业监督管理机构及其从事监督管理工作的人员依法履行监督管理职责，受法律保护。

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Elizabeth Brown, an expert in regulatory law at the University of St Thomas in Minneapolis, calculates that whereas America's banking system (measured by total assets) is only a little more than twice as big as Britain's, the government spends 60 times more on regulation than Britain does.

ECONOMIST: Northern Rock