Economics and Moral Sentiments: The Case of Moral Hazard
... Prevent narrow moral hazard by simple regulatory restrictions in line with traditional banking culture: prohibit some activities (eg proprietary trading) and apply simple regulations (eg liquidity ratios, rules on mortgage lending and eligibility for credit cards) But take care: restrictive re ...
... Prevent narrow moral hazard by simple regulatory restrictions in line with traditional banking culture: prohibit some activities (eg proprietary trading) and apply simple regulations (eg liquidity ratios, rules on mortgage lending and eligibility for credit cards) But take care: restrictive re ...
Friday, December 18, 2009
... to go. They must reduce costs by $45 billion by 2012 to regain the returns on equity that prevailed in 2007. Conventional approaches are apt to fall short, and banks will need to rethink their business models. Banks that succeed in tackling complexity begin by calculating what their cost structure w ...
... to go. They must reduce costs by $45 billion by 2012 to regain the returns on equity that prevailed in 2007. Conventional approaches are apt to fall short, and banks will need to rethink their business models. Banks that succeed in tackling complexity begin by calculating what their cost structure w ...
UNI EUROPA FINANCE, Reply to Consultation on the
... 13) Would the introduction of a standardized product, or removing the existing obstacles to crossborder access, strengthen the single market in pension provision? In a number of member states, pension schemes have existed for a long time, are regulated and function well. EU regulation could help str ...
... 13) Would the introduction of a standardized product, or removing the existing obstacles to crossborder access, strengthen the single market in pension provision? In a number of member states, pension schemes have existed for a long time, are regulated and function well. EU regulation could help str ...
EC381: Financial and Capital Markets
... The main participations are the government and corporations. The main buyers are the usual pension and insurance companies. The government is trying to raise finance. This is debt. A regular bond is a fixed interest, so there is less concern about changing interest rates. The liquidity should ensure ...
... The main participations are the government and corporations. The main buyers are the usual pension and insurance companies. The government is trying to raise finance. This is debt. A regular bond is a fixed interest, so there is less concern about changing interest rates. The liquidity should ensure ...
Bank regulation - KROS College Kohima
... and banknotes. This type of regulation has lost the role it once had, as the emphasis has moved toward capital adequacy, and in many countries there is no minimum reserve ratio. The purpose of minimum reserve ratios is liquidity rather than safety. An example of a country with a contemporary minimum ...
... and banknotes. This type of regulation has lost the role it once had, as the emphasis has moved toward capital adequacy, and in many countries there is no minimum reserve ratio. The purpose of minimum reserve ratios is liquidity rather than safety. An example of a country with a contemporary minimum ...
European banks: Are we back to 2008?
... We do not advocate, however, indiscriminate buying of the sector. At BMO Global Asset Management, our investment process leads us to buy good quality businesses with durable competitive advantages, and we do believe that such businesses exist in the financial sector. The wholesale selling of the sec ...
... We do not advocate, however, indiscriminate buying of the sector. At BMO Global Asset Management, our investment process leads us to buy good quality businesses with durable competitive advantages, and we do believe that such businesses exist in the financial sector. The wholesale selling of the sec ...
“The Great Recession of 2007-2009 and The Great Depression of
... assembled into pools which become securities. • Many loans in these were considered “subprime” (higher-risk). Still, MBS’s were generally viewed as a low-risk, high-reward investment and were purchased by foreigners … and BANKS who held them as assets on balance sheets. • When the bubble popped, the ...
... assembled into pools which become securities. • Many loans in these were considered “subprime” (higher-risk). Still, MBS’s were generally viewed as a low-risk, high-reward investment and were purchased by foreigners … and BANKS who held them as assets on balance sheets. • When the bubble popped, the ...
High street banks make way for Paxton fund
... specialising in short-term loans secured on UK property. The first closing was oversubscribed and declared successful on the first day of the new financial year. Fundraising will continue until the scheme's loan book reaches £10m. Traditional bankers’ current lack of appetite for property, with cons ...
... specialising in short-term loans secured on UK property. The first closing was oversubscribed and declared successful on the first day of the new financial year. Fundraising will continue until the scheme's loan book reaches £10m. Traditional bankers’ current lack of appetite for property, with cons ...
On Moral Hazard and Macroeconomics
... moral hazard explains why those who control the firm must have some ownership stake in its profits. Regulatory capital requirements that are based on public information can help reduce the adverse-selection problem in selling new equity. Capital = Assets − Liabilities = Owners' value. Under Basel ru ...
... moral hazard explains why those who control the firm must have some ownership stake in its profits. Regulatory capital requirements that are based on public information can help reduce the adverse-selection problem in selling new equity. Capital = Assets − Liabilities = Owners' value. Under Basel ru ...
European Business School London Regents College
... which spread to the financial sector • Thailand has experienced a massive net capital inflow during the previous three years (13% of Thai GDP) • The year 1997 saw this inflow at first stop, and by the second and third quarters, sharply reverse • An unexpected fall in exports in early 1997 heightened ...
... which spread to the financial sector • Thailand has experienced a massive net capital inflow during the previous three years (13% of Thai GDP) • The year 1997 saw this inflow at first stop, and by the second and third quarters, sharply reverse • An unexpected fall in exports in early 1997 heightened ...
Bank-customer relations
... which the banks are entitled to extend at floating-rate interest was restricted to a third of the overall loan granted to a customer. This measure is intended to reduce the risk to borrowers in the event of an interest-rate hike that greatly increases the monthly repayments on their loans, and also ...
... which the banks are entitled to extend at floating-rate interest was restricted to a third of the overall loan granted to a customer. This measure is intended to reduce the risk to borrowers in the event of an interest-rate hike that greatly increases the monthly repayments on their loans, and also ...
Data Management: Does changing - Federal Reserve Bank of Atlanta
... been understood and internalized by either buyers nor sellers • There was a widespread belief that risk-free assets could be created by augmenting an already seemingly safe asset with a promise by a financial institution to provide liquidity or bear credit losses – Contractual provisions (e.g., ABCP ...
... been understood and internalized by either buyers nor sellers • There was a widespread belief that risk-free assets could be created by augmenting an already seemingly safe asset with a promise by a financial institution to provide liquidity or bear credit losses – Contractual provisions (e.g., ABCP ...
The characteristics of the capital market
... • Tight supervision, and stability-related limitations • International standards––risk management, control, corporate governance, capital (Basel 2) ...
... • Tight supervision, and stability-related limitations • International standards––risk management, control, corporate governance, capital (Basel 2) ...
20170504 CACEIS partner in the initiative to develop apost
... CACEIS has signed an investment agreement intended to develop a post-market Blockchain infrastructure for the SME segment in Europe. Launched in June 2016, the objective of this partnership is to improve the access of such companies to capital markets, while facilitating and enhancing the security o ...
... CACEIS has signed an investment agreement intended to develop a post-market Blockchain infrastructure for the SME segment in Europe. Launched in June 2016, the objective of this partnership is to improve the access of such companies to capital markets, while facilitating and enhancing the security o ...
To view this press release as a file
... Chinese economy, from the continued decline in commodity prices, and from the emerging markets with high foreign currency debt, have come into sharper relief. A series of examinations presented in the report leads to the conclusion that a possible crisis due to the gyrations being experienced by the ...
... Chinese economy, from the continued decline in commodity prices, and from the emerging markets with high foreign currency debt, have come into sharper relief. A series of examinations presented in the report leads to the conclusion that a possible crisis due to the gyrations being experienced by the ...