Bank executives report heavy loan demand as a result of the collapse in non-bank credit.

由于非银行金融机构信贷的急剧下降，银行高管抱怨贷款需求太大。

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It plans to supervise bankers' pay practices more closely, as well as the "non-bank" lending subsidiaries of bank-holding companies.

美联储计划更严密地监督银行家的薪水，也不会轻易放过持银行股份的非银行借贷子公司。

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And CIT's hopes of getting an exemption that would permit it to fund ropy assets at its non-bank parent company with deposits from its Utah-based bank appear to have been dashed.

CIT曾希望得到豁免，让其可以用位于美国犹他州的银行储蓄款，来资助其母公司(非银行业)的劣质资产，眼下，这个希望已破灭。

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But no such mechanism exists for non-bank financial institutions like AIG whose failure would inflict great economic pain on the nation as a whole.

VOA: standard.2009.03.24

While banks in the United States have historically been subject to robust government regulation, non-bank financial firms have been allowed to operate with a freer hand.

VOA: standard.2009.10.01

Earlier this week, Secretary Geithner and Federal Reserve Chairman Ben Bernanke also discussed with Congress another step which would enable the government to take control of major non-bank financial institutions threatened with collapse.

VOA: standard.2009.03.26

The problem with this, argue some (including the Fed), is that only the Fed has broad powers to examine a bank's parent and its non-bank subsidiaries and act to stop problems elsewhere spreading to the insured bank.

ECONOMIST: Industrial loan companies

These critics think that the government was misguided in treating bank holding companies (firms that have control over at least one bank and also have sprawling non-bank financial operations), which are regulated by the Federal Reserve, differently from small regional banks, which are regulated by the F.

NEWYORKER: The Contrarian

That includes a contribution from what is known as shadow banking, lending by non-bank institutions or bank credit that is kept off the books.

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