Abstract
This paper suggests that bank holding com- panies are in fact malls. I demonstrate the problems that they pose for the financial system, not only by size but by inefficient and inappropriate concentra- tion. The article suggests restructuring of bank holding companies by introducing more market discipline to the various shops in the mall as well as concentrating services for the purpose of efficiency. The article con- cludes with the suggestion that rather than imposing a restructure by law, it may perhaps be possible to entice managements that look to the long-term future to fol- low a restructure voluntarily.
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