商业银行和投资银行的利益冲突？

问题如下：

Give two examples of conflicts of interest that could arise from communication between investment bankers and commercial bankers. Why do the senior management of banks want to avoid conflicts of interest?

解释：

One possibility: when advising about a possible acquisi-tion, an investment banker might get confidential informa-tion about the target company from a commercial banking arm of the bank if the target happens to be a client of the bank. Another possibility: a commercial banker might use the investment banking operation to replace a loan that contains too much credit risk with a bond issue. Violations of conflicts of interest can give rise to big fines and reputational losses that far exceed the extra profits earned from the violations.