By Kroner Niels
'Svenska Handelsbanken' takes a clean examine the monetary situation. It units out to respond to particularly what the errors have been that banks made and the way this may were refrained from. what's certain approximately this publication is a close description of a giant financial institution that operates very another way from its friends and that has, hence, recommended good away from components that experience introduced many different banks into difficulty. this offers a few insights into how a extra resilient, post-credit crunch banking approach may still seem like.
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Extra resources for A Blueprint for Better Banking: Svenska Handelsbanken and a proven model for post-crash banking
But publicly owned banks (Sachsen LB, IKB) or banks with strong core shareholders that did not face similar pressure (Raiffeisen International, Erste Bank, SEB, Swedbank all of whom got into trouble in Eastern Europe, and arguably even AIG because of its large inside shareholders) did not avoid the credit crunch. Bring Back Glass-Steagall! Another explanation sees the amalgamation of investment banks and commercial banks as the main problem. Commercial banking with its basic functions of taking deposits, making loans and processing payments, according to this argument, is of great importance to the economy so there is an implicit or explicit guarantee that the government will bail it out.
277. 41 A Blueprint for Better Banking Deposit Insurance Corporation in 1971, government (guaranteed) debt accounted for 98% of the fixed income security holdings of US commercial banks. In 2007 this had fallen to 69% while nearly one- “ third of the holdings were now When banks own assets that have absolutely nothing to do with their real business, more often than not it ends in tears. structured credit instruments and corporate bonds. e. ” when the buffer is needed, only treasuries tend to trade actively).
Lending standards are relaxed since risks appear negligible, further fuelling credit expansion and taking care of problem cases since it is easy to refinance. 19 Similar mechanisms are often at work in emerging markets. As long as there is enough risk appetite to transfer funds on a large scale to emerging markets, these funds lead to strong economic growth. How can a country such as Ukraine not grow its economy very strongly during a period where lending increases by more than 50% per year from 2004 to 2008?