Moral Hazard
Raghuram Rajan and Viral Acharya worry that smaller US banks' 2023 trouble remain unresolved, and that the episode perpetuated a moral hazard
11th Feb 24, 10:37am
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Raghuram Rajan and Viral Acharya worry that smaller US banks' 2023 trouble remain unresolved, and that the episode perpetuated a moral hazard
[updated]
Simon Papa argues proposed reforms to financial markets regulation rejects, without proper validation, decades of orthodoxy on market regulation and basic market concepts
23rd Jan 24, 9:18am
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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
8th Jun 23, 2:19pm
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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
11th Aug 22, 12:00pm
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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
22nd Jan 20, 5:00am
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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
19th Oct 19, 10:02am
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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
25th Jun 19, 2:37pm
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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
2nd Nov 18, 11:08am
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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
10th May 17, 8:04am
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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
20th Sep 16, 1:01pm
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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
28th Apr 14, 9:57am
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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
19th Apr 13, 8:34pm
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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
11th Apr 13, 10:07am
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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
9th Apr 13, 4:10pm
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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
2nd Apr 13, 11:14am
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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
Gareth Morgan points out the stream of unfettered credit from central banks can have a big cost, one revealed in the Cyprus bank collapse. You agree?
20th Mar 13, 3:26pm
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Gareth Morgan points out the stream of unfettered credit from central banks can have a big cost, one revealed in the Cyprus bank collapse. You agree?
Green Party's Russel Norman hits out at Government's 'Cyprus style' bank failure solution, pushes Aussie style deposit guarantee scheme
19th Mar 13, 12:11pm
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Green Party's Russel Norman hits out at Government's 'Cyprus style' bank failure solution, pushes Aussie style deposit guarantee scheme
How HSBC became the 'preferred financial institution for drug traffickers and money launderers' yet escapes any criminal prosecution in a classic 'moral hazard' case
12th Dec 12, 5:34pm
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How HSBC became the 'preferred financial institution for drug traffickers and money launderers' yet escapes any criminal prosecution in a classic 'moral hazard' case
Matt Nolan says history has shown it is not possible to have a perfectly competitive financial sector and a perfectly stable banking sector. We should debate the trade-offs, he says. Your view?
4th Dec 12, 9:20am
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Matt Nolan says history has shown it is not possible to have a perfectly competitive financial sector and a perfectly stable banking sector. We should debate the trade-offs, he says. Your view?
Alfred Duncan suggests a possible way of better aligning bankers’ incentives with financial-system safety and capital-allocation efficiency. You agree?
30th Nov 12, 2:24pm
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Alfred Duncan suggests a possible way of better aligning bankers’ incentives with financial-system safety and capital-allocation efficiency. You agree?
Matt Nolan says when depositors lose faith in banks, a crisis follows with a recession or depression. He says regulation can protect us, but new stresses occur in unexpected ways. Your view?
20th Nov 12, 12:02pm
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Matt Nolan says when depositors lose faith in banks, a crisis follows with a recession or depression. He says regulation can protect us, but new stresses occur in unexpected ways. Your view?
Opinion: What is the right medicine for sick markets?
13th Sep 08, 2:41pm
Opinion: What is the right medicine for sick markets?