We are painfully learning that the world’s mega-banks are too complex to manage, too big to fail and too hard to restructure.
我们痛苦地认识到世界上的大银行都过于复杂难于管理，太大而不能失败，太难而无法调整。
2
That is far above the level of America's mega-banks (JP Morgan Chase sits at 6.4%) and exceeds Europe's other big beast (Santander's ratio is 7.2%).
这一水平远远高于美国各巨型银行(摩根大通(JP Morgan Chase)的该比率为6.4%)以及欧洲其他同行巨兽(西班牙桑坦德银行(Santander)的这一比率是7.2%)。
3
Such knowledge can lead to excessive risk-taking and is one reason why Switzerland’s central bank has said the country’s two mega-banks may have to be cut down to size.