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Finance and economics
財經商業
Five years after Lehman
圖表看雷曼盡五年變遷
The world of banking has changed dramatically, if not radically, in the five years since September 15th 2008, the day Lehman Brothers went bust.
2008年9月15日，雷曼兄弟宣布破產。此后5年時間里，銀行業即便不說是徹底改變了，也確實是發生了巨大的變化。
American and European banks used to dominate the list of the world's biggest banks; the Chinese have since scaled the charts.
歐美銀行曾經牢牢統治著“世界最大銀行排行榜”，但從那以后，中國的各大銀行逐漸爬上榜單。
The balance-sheets of Europe's behemoths have got quite a bit smaller;
歐洲銀行巨頭們的財務狀況表縮水了不少；
consolidation has made America's giants bigger than ever.
而各類合并倒是使美國的主要銀行愈加龐大。
Western banks are generating much lower returns on equity than they did in the years before the crisis, in part because the industry is being forced to fund itself with higher levels of equity than in the past.
西方各銀行的股本回報率比起金融危機前要低得多，部分原因是在過去，銀行需要高水平的股權來支持自己的財政。
So cost-cutting is much more important than it was: compensation ratios at investment banks have fallen.
因而現在進行消減開支比起以前要重要得多：投資銀行的補償金比率已經下降。
But those who want a complete reshaping of finance can still argue that change has not gone far enough:
但是那些盼望金融界完全改頭換面的人依然可以反駁說這種變化程度不深：
more people work in finance in London in 2013 than did in December 2007.
2013年倫敦的金融行業從業人數比起2007年12月份反而更多。
