YOU SAID:

Now comes the opinion part of this editorial. In my opinion, shadow banks are the natural result of strict government regulations on investment; this is easiest to see in China. China has enormous regulations on what investments can, or cannot be made; for many Chinese citizens, shadow banks are the only reliable way to make an investment. The Chinese Communist Party also has nearly complete control over their banking sector, resulting in high operating costs for banks, thus high interest rates on loans. Things in the U.S.A are a little different. After the great recession, the U.S. removed many of the regulations that led to shady banking practices, but shadow banks are still around. There is a limit on how many bonds can be taken out from the U.S. treasury. Legitimate banks often have a limited selection of investment opportunities, due to their higher cost of operation. I think as more of the financial sector jobs become automated, the operation cost of banks will go down, and shadow banks will become less useful. On the other hand, investors will also become automated. Is this how things must be? Should we just wait until robots make banks cheap enough to put shadow banks out of business? Should we just lift the regulations on investment now to postpone the inevitable replacement of human labour by robots by a few more years? Now excuse me while I invest in that shady bank down the street, before the Chinese Communist Party takes it down with their robots!

INTO JAPANESE

今この社説の意見の部分が来る。私の意見で影の銀行は政府の厳しい規制で投資の当然の結果これが中国の参照してください簡単です。中国巨大な規制は、どのような投資することができます、または行われることはできません。多くの中国の市民の影の銀行、投資する唯一の信頼できる方法です。あご