监管和遵守情况向Ernst＆Young的年度调查中的高级管理人员中的最大风险问题发出了信用可用性。
Based on interviews with more than 70 executives and analysts across 14 industry sectors, the accounting and consulting firm’s Business Risk Report for 2010, its third qualitative barometer on this subject, identified both fear of over-regulation and uncertainty about post-crisis statutory developments as significant clouds on the business horizon. On the排名十大商业风险，监管和合规在于2009年的信贷进入第1次上升。恢复缓慢或双重衰退缓慢排名第三，从去年的不变。
特别是对监管不确定性的声乐是金融部门高管，他警告持续增长气候股权价值的侵蚀。Said Daniel Hofmann, group chief economist of Zurich Financial Services: “New taxes and higher capital requirements will impair the industry’s ability to absorb risk, impose a competitive disadvantage when it comes to attracting capital relative to other financial market players, and more broadly constrain the industry’s ability to meet its social and economic function as ultimate holder of risk.”
Ernst＆Nover结论于8月2日公布 - 或增加重量 - 金融行业领导者和商业经济学家之间的普遍情绪，即政府和监管行动的不确定性正在妨碍商业投资，而且反过来减缓了2007年衰退的恢复’09.
Adding currency to that critique was Federal Reserve Bank of Dallas president Richard Fisher, who in a July 29 speech in San Antonio aired what he said he has been saying within Federal Reserve Board and Federal Open Market Committee councils: “I have ascribed the economy’s slow growth pathology to what I call random refereeing – the current predilection of government to rewrite the rules in the middle of the game of recovery. Businesses and consumers are being confronted with so many potential changes in the taxes and regulations that govern their behavior that they are uncertain about how to proceed downfield. Awaiting clearer signals from the referees that are the nation’s fiscal authorities and regulators, they have gone into a defensive crouch.”
费舍尔指出，报纸报告和意见专栏一再对不确定主题反复打击，但他补充说，他已经在监测区域业务条件下观察到这一观点，“这一观点并非对银行家独一无二的。”
“不确定性和风险是商业的自然部分，”他说。“资本主义每天都搬运和处理它们。然而，过度的不确定性阻碍了一个人甚至计算潜在结果的可能性，特别是当这种不确定性涉及具有长期影响的不可逆转决策时。在过度不确定性的条件下经营业务就像在不了解规则时玩游戏。“
这似乎是Ernst＆Young捕获的情绪，它认为监管和遵守类别作为金融危机的一个突出的突出，触及从能源和生命科学到汽车和技术的行业，以及金融服务。该公司引用了一个匿名小组成员的说法，“政府需要快速迁移以消除不确定性，特别是关于金融部门的监管。”
它还引用了顾问和风险专家Avinash Persation关于，该条例可能有利于拥有更大的存款基地的银行，并且可能在短时间内转变的监管标准，“主动地响应这类基本变革可能需要公司在可能的规则中考虑很长时间，考虑替代方案。“
舍入恩斯特＆年轻的十大名单，经过监管和遵守，获得信贷，恢复缓慢，是：管理人才，新兴市场，成本削减，非传统参赛者，激进的绿化，企业社会责任以及执行联盟和交易。
“在我们的报告中，大多数风险确定了四个不同的象限：财务，合规性，战略和运作，”塞尔特·迪克森，恩斯特·迪克森，安永的全球风险实践领导者评论道。“这凸显了对风险问题广泛，整体看法的重要性，然后专注于对您的企业最重要的风险 - 今天存在的风险以及那些现在和地平线上的其他人。”
Dixon补充道，“通过专注于对组织最严重的风险，全面地和行业的角度来看，公司将能够开发一个有凝聚力的综合风险管理进程，这将有助于维持长期的业务价值。公司必须利用他们部署的广大资源，以管理和确定企业中存在的风险 - 包括内部审计，合规性，内部控制和运营风险。关键这些领域共同努力，协助组织理解和利用风险创造战略优势。“
但调查结果表明，监管领域是许多人的头脑。As the Dallas Fed’s Fisher put it, “Regardless of how you feel about many of the recent reform efforts’ broad goals, I hope you see my point: This is not the best time for added uncertainty, especially when the banking industry appears to be on a very slow mend. Yet uncertainty reigns.”