Moral Hazard

Raghuram Rajan and Viral Acharya worry that smaller US banks' 2023 trouble remain unresolved, and that the episode perpetuated a moral hazard

Raghuram Rajan and Viral Acharya worry that smaller US banks' 2023 trouble remain unresolved, and that the episode perpetuated a moral hazard

Simon Papa argues proposed reforms to financial markets regulation rejects, without proper validation, decades of orthodoxy on market regulation and basic market concepts

Simon Papa argues proposed reforms to financial markets regulation rejects, without proper validation, decades of orthodoxy on market regulation and basic market concepts

Gernot Wagner offers lessons for navigating the climate-tech field, one that is fraught with hype, unintended consequences, and other pitfalls

Gernot Wagner offers lessons for navigating the climate-tech field, one that is fraught with hype, unintended consequences, and other pitfalls

What NZ's deposit insurance regime will look like and what it'll mean for depositors, international financial regulatory consultant Geof Mortlock explains

What NZ's deposit insurance regime will look like and what it'll mean for depositors, international financial regulatory consultant Geof Mortlock explains

Gareth Vaughan looks at how and why the Government decided on a deposit insurance limit of $50k per individual per financial institution, which is well below international norms

Gareth Vaughan looks at how and why the Government decided on a deposit insurance limit of $50k per individual per financial institution, which is well below international norms

Gareth Vaughan says the Reserve Bank's efforts to combat the too big to fail problem is a worthy aspect of its proposals to increase NZ banks' regulatory capital requirements

Gareth Vaughan says the Reserve Bank's efforts to combat the too big to fail problem is a worthy aspect of its proposals to increase NZ banks' regulatory capital requirements

David Chaston explains why it is a bad idea for the investment scrum to be screwed in favour of the wealthy, and essentially exclude and penalise those who have no weight in the game by making them pay

David Chaston explains why it is a bad idea for the investment scrum to be screwed in favour of the wealthy, and essentially exclude and penalise those who have no weight in the game by making them pay

Consultation document for next stage of Reserve Bank Act review gives clear signals that some form of formal protection for bank depositors is likely to be introduced

Consultation document for next stage of Reserve Bank Act review gives clear signals that some form of formal protection for bank depositors is likely to be introduced

The IMF suggests a de minimis exemption of $10,000 per depositor as a second best option to the full blown introduction of deposit insurance in NZ given govt & RBNZ opposition

The IMF suggests a de minimis exemption of $10,000 per depositor as a second best option to the full blown introduction of deposit insurance in NZ given govt & RBNZ opposition

Report on ethics in the financial services sector argues ethics, risk and client satisfaction should be considered as well as profits in the awarding of bonuses

Report on ethics in the financial services sector argues ethics, risk and client satisfaction should be considered as well as profits in the awarding of bonuses

Bernard Hickey looks at the lessons we should learn from warnings about our over-valued property market and the need for a deposit insurance scheme

Bernard Hickey looks at the lessons we should learn from warnings about our over-valued property market and the need for a deposit insurance scheme

PM John Key and the RBNZ are wrong in their opposition to deposit insurance, says NZ-based advisor to international deposit insurers' body

PM John Key and the RBNZ are wrong in their opposition to deposit insurance, says NZ-based advisor to international deposit insurers' body

NZ doesn't have deposit insurance due to moral hazard and the difficulties of defining boundaries and pricing, but it could easily be accommodated, RBNZ says

NZ doesn't have deposit insurance due to moral hazard and the difficulties of defining boundaries and pricing, but it could easily be accommodated, RBNZ says

Opinion: The Govt and RBNZ may be uninterested in introducing a deposit insurance scheme, but there's nothing stopping banks from offering secured deposits

Opinion: The Govt and RBNZ may be uninterested in introducing a deposit insurance scheme, but there's nothing stopping banks from offering secured deposits

Matt Nolan looks how a deposit levy can help get the 'incentives' right for savers, bank shareholders, management, and taxpayers to avoid banks going bad

Matt Nolan looks how a deposit levy can help get the 'incentives' right for savers, bank shareholders, management, and taxpayers to avoid banks going bad