Commission officials blithely bat these concerns aside, saying that national bank supervisors can agree in advance how to wind up cross-border Banks.

欧盟员委员会官员乐观地打消这些疑虑，说国家银行监管者事先就如何终结跨境银行达成一致。

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But the risk that the recent homeward flow of bank assets will ossify into a less efficient, less flexible cross-border banking system is real and growing.

然而，最近银行资产向母国回流的趋势正在朝低效、僵化的跨国银行系统越滑越深，这一风险是实实在在的，而且在不断加大。

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That would require that foreign subsidiaries be independently capitalised, which may also be necessary for a cross-border bank to have a credible "living will", a guide to its orderly resolution.

这需要外国子公司自筹资金，因此还需要跨境银行有可靠的“求生欲”，引导公司采取惯常的解决方法。

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So far only Scandinavia and the Benelux countries have seen significant cross-border bank mergers.

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But there is little sign that cross-border bank finance has any particular significance in this.

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Bank analysts have long been expecting some cross-border bank mergers in Europe.

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