还有某些特定的行业股，例如石油和生物科技股，已经深陷熊市数月，主要归咎于能源价格的低迷以及监管因素。
Certain other sectors, such as oil and biotech stocks, have been in a bear market for months, punished by low energy prices and regulatory concerns, respectively.
造成混乱的最后一个因素，是愈加严格的监管。
The final factor to throw into the mix is the effect of tighter regulation.
较高的利率和较低的坏账水平将增加汇丰的利润，但监管不利的因素也越来越强，特别是英国。
Higher interest rates and lower bad debts will boost HSBC's profits. But regulatory headwinds are becoming stronger, particularly in Britain.
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