近年来的潮流趋向于某种形式的全能银行业，即同一家银行既提供零售银行服务，又提供投资银行服务。
In recent years the trend has been towards some form of universal banking, with the same bank providing both retail and investment services.
关于低成本资金的第二个担忧就是相对于单纯的投资银行，全能银行更不可能被允许倒闭。
The second worry about low borrowing costs is that universal banks are less likely to be allowed to fail than pure investment banks.
全能银行之所以能比单独的投资银行以更低的成本借钱的一个原因就是交叉补助，这会产生两个令人担心的后果。
One reason why universal Banks are able to borrow more cheaply than standalone investment Banks is cross-subsidization, which raises two worries.
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