高盛 Goldman sachs 转型原因

The main reason is the impact of sub-loan crisis, sub-loan investment bank led to a large amount of losses, facing bankruptcy, if the transition to commercial banks, it may lead to one of the greatest benefits, you can apply for loans to the Federal Reserve, while the investment bank is unable to do so

In addition, the sub-prime crisis, the investment bank's criticized the most, because their own investment bank to develop a lot of financial derivatives, capital adequacy ratio is too low, excessive use of high leverage ratio, to the neglect of the existence of risk, its transformation into commercial banks, and then the capital adequacy ratio of 8 percent to be reached, but also the Federal Reserve to implement more stringent controls, because the regulator of banks in line to vote than the more stringent

最大的原因还是次贷危机影响的，次贷导致投行产生大量亏损，面临破产，如果转型为商业银行的话，有一个最大的好处，可以向美联储申请贷款，而投行是不能这样做

还有，次贷危机中，投行的诟病最大，因为投行自己开发了很多金融衍生品，资本充足率过低，过度的利用高杠杆率，忽视了风险的存在，转型为商业银行了，那么