banksafetyandliquidityprovision銀行安全性和提供流動性-文庫吧
2025-08-27 09:07 本頁面
【正文】 banks Diamond and Dybvig (1983):銀行流動性創(chuàng)造 Traditional Bank Regulation傳統(tǒng)銀行監(jiān)管 ? Bank Examiners銀行檢查者 – examined the loan documentation and lending practices檢查貸款資料與貸款實踐 – formed an opinion of the safety and soundness of the bank形成對銀行穩(wěn)健性與否的意見 ? GlassSteagall格拉斯 斯蒂格爾法案 – separated investment banking from mercial and mortgage banking從商業(yè)與抵押銀行業(yè)務(wù)中分離出了投資銀行業(yè)務(wù) – limited deposit insurance umbrella to a short list of activities限制存款保險保護 Regulation under Basel巴塞爾協(xié)議下的監(jiān)管 ? Designed to create a “ level playing field”試圖設(shè)計創(chuàng)造出一個“公平的競爭環(huán)境” ? Capital requirements based on coarse aggregates基于粗糙針對總量的資本需求 – based on punishment in a repeated game 以重復(fù)博弈中的懲罰為基礎(chǔ) – game not repeated if the bank blows up! 如果銀行膨脹、倒閉，博弈并非能重復(fù) ? No more GlassSteagall, so government is
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