最后，国家监管者需要有创意，要使用超过全球最低标准的资本附加费去惩罚那些给纳税人造成更大威胁的银行。

Finally, national regulators need to be creative and use capital surcharges over and above the global minimum standard to "fine" Banks that pose a bigger threat to taxpayers.

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它限制了国家监管机构干预跨国金融合并的能力，并且让其从威胁废除信用卡和零售银行收取的“交换费”的立场上让步。

It has limited the ability of national watchdogs to intervene in cross-border financial mergers and backed away from threats to abolish "interchange fees" charged by credit CARDS and retail Banks.

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欧盟已经在跨境交易费方面实施监管。

The European Union already regulates such fees on cross-border transactions.

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