It's different in other countries; in Europe, they've had universal banking, which allowed banks to offer insurance for a much longer time but in the U.S.

这与其他国家是不同的,在欧洲,那里有综合银行,它们提供保险服务已经有很长一段时日了,但是在美国

耶鲁公开课 - 金融市场课程节选