Regina Stone, who licenses MSBs at the New York State Banking Department, says this has led to levels of concentration that need to be watched.

在纽约州立银行局负责向现金服务企业发放执照的雷吉娜·斯通(Regina Stone)说现在的情况已经需要引起关注了。

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Consider that before the financial crisis, there was a greater plurality in banking in terms of concentration of assets.

想想看，金融危机爆发前，就资产集中程度而言，银行业内部的资产更为分散。

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Therefore, reduce market concentration and barriers to entry, increase product differentiation to promote competition, is conducive to further optimize the structure of China's banking industry.

因此，降低银行业市场集中度和进入壁垒，提高产品差别化从而促进竞争，有利于进一步优化我国的银行业市场结构。

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But its collapse and rescue by Lloyds actually led to greater concentration in the banking market, and was therefore anti-competitive - and the wounded Lloyds has been struggling to provide the credit needed for British economic recovery.

BBC: Why bash the HBOS three?

The worst mistakes of this crisis were arguably made in relatively simple areas of retail and commercial banking from the concentration of risk in the corporate-loan book of HBOS to Wachovia's kamikaze acquisition of Golden West, a Californian lender stuffed full of mortgage-shaped grenades.

ECONOMIST: The revolution within