How would you change the banking system?
Risk-free "safe haven" accounts guaranteed by the government should be set up as part of a "profound reform of the banking system", a report says. Do you agree?
The Future of Banking Commission wants improvements in saver protection and restructuring of banks, with recommendations that aim to put ordinary people at the heart of a reformed banking system.
Their reforms include changing the structure of banks so if they fail, depositors are protected, and the introduction of new competition and regulatory regimes that make bank boards responsible for both meeting customers' needs and for their own solvency.
Tory MP David Davis who chairs the commission, told the BBC that he also wants to see big banks broken up to prevent another financial crisis.
What changes would you like to see made to the banking system? Is there an alternative to using banks? Should banks be smaller?
This debate has now been closed. Thank you for your comments.