{"id":7581,"date":"2013-04-28T21:30:27","date_gmt":"2013-04-29T01:30:27","guid":{"rendered":"http:\/\/goldstocksforex.com\/?p=7581"},"modified":"2013-04-28T21:30:27","modified_gmt":"2013-04-29T01:30:27","slug":"capital-regulation-after-the-crisis-business-as-usual-martin-hellwig","status":"publish","type":"post","link":"https:\/\/thepatientinvestor.com\/index.php\/2013\/04\/28\/capital-regulation-after-the-crisis-business-as-usual-martin-hellwig\/","title":{"rendered":"Capital Regulation after the Crisis: Business as Usual? | Martin Hellwig"},"content":{"rendered":"

This abstract from a 2010 paper by Martin Hellwig sums up the debate about overhauling the financial system:<\/p>\n

Whereas the Basel Committee on Banking Supervision seems to go for marginal changes here and there, the paper calls for a thorough overhaul, moving away from risk calibration and raising capital requirements very substantially. The argument is based on the observation that the current system of risk-calibrated capital requirements, in particular under the model-based approach, played a key role in allowing banks to be undercapitalized prior to the crisis, with strong systemic effects for deleveraging multipliers and for the functioning of interbank markets. The argument is also based on the observation that the current system has no theoretical foundation, its objectives are ill-specified, and its effects have not been thought through, either for the individual bank or for the system as a whole. Objections to substantial increases in capital requirements rest on arguments that run counter to economic logic or are themselves evidence of moral hazard and a need for regulation.<\/p><\/blockquote>\n

The bipartisan bill, Terminating Bailouts for Taxpayer Fairness Act<\/a>, sponsored by senators Sherrod Brown, an Ohio Democrat, and David Vitter, a Louisiana Republican, is a courageous attempt to address the undercapitalization that led to the global financial crisis. Abruptly raising bank capital requirements would lead to a credit contraction if introduced in isolation, but the Fed is quite capable of adjusting monetary policy to offset this and a suitable phase-in period would give banks time to adjust. What is important is that we get to the point where banks are properly capitalized to deal with any future instability.<\/p>\n

Read the full paper at Capital Regulation after the Crisis: Business as Usual? | Martin Hellwig, July 2010<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

This abstract from a 2010 paper by Martin Hellwig sums up the debate about overhauling the financial system: Whereas the Basel Committee on Banking Supervision seems to go for marginal changes here and there, the paper calls for a thorough overhaul, moving away from risk calibration and raising capital requirements very substantially. The argument is … <\/p>\n

Continue reading “Capital Regulation after the Crisis: Business as Usual? | Martin Hellwig”<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[31,34],"tags":[349,393,2974],"class_list":["post-7581","post","type-post","status-publish","format-standard","hentry","category-the-fed-banks-interest-rates","category-us-canada-countries-regions","tag-bank-capital-requirements","tag-basel-iii","tag-risk-weighting"],"yoast_head":"\nCapital Regulation after the Crisis: Business as Usual? | Martin Hellwig - the patient investor<\/title>\n<meta name=\"robots\" content=\"noindex, follow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Capital Regulation after the Crisis: Business as Usual? | Martin Hellwig - the patient investor\" \/>\n<meta property=\"og:description\" content=\"This abstract from a 2010 paper by Martin Hellwig sums up the debate about overhauling the financial system: Whereas the Basel Committee on Banking Supervision seems to go for marginal changes here and there, the paper calls for a thorough overhaul, moving away from risk calibration and raising capital requirements very substantially. 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The sensible solution seems clear: force\u2026","rel":"","context":"In "Banks & Interest Rates"","block_context":{"text":"Banks & Interest Rates","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/economy\/the-fed-banks-interest-rates\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":8096,"url":"https:\/\/thepatientinvestor.com\/index.php\/2013\/07\/11\/us-banks-face-tougher-capital-requirements\/","url_meta":{"origin":7581,"position":1},"title":"US banks face tougher capital requirements","author":"ColinTwiggs","date":"July 11, 2013","format":false,"excerpt":"Yalman Onaran and Jesse Hamilton at Bloomberg report on a new joint proposal by the Federal Deposit Insurance Corp., Federal Reserve and Office of the Comptroller of the Currency: The biggest U.S. banks, after years of building equity, may continue hoarding profits instead of boosting dividends as they face stricter\u2026","rel":"","context":"In "Australia & NZ"","block_context":{"text":"Australia & NZ","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/countries-regions\/australia-nz-countries-regions\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":8077,"url":"https:\/\/thepatientinvestor.com\/index.php\/2013\/07\/10\/making-banks-hold-more-capital-is-not-going-to-wreck-the-economy\/","url_meta":{"origin":7581,"position":2},"title":"Making banks hold more capital is not going to wreck the economy","author":"ColinTwiggs","date":"July 10, 2013","format":false,"excerpt":"Mark Gongloff quotes Anat Admati and Martin Hellwig of the Max Planck Institute, authors of the recent book The Bankers' New Clothes: What's Wrong With Banking And What To Do About It, from their point-by-point rebuttal of bankers arguments that they should not be required to hold more capital: \"Many\u2026","rel":"","context":"In "Banks & Interest Rates"","block_context":{"text":"Banks & Interest Rates","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/economy\/the-fed-banks-interest-rates\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":8084,"url":"https:\/\/thepatientinvestor.com\/index.php\/2013\/07\/10\/basel-committee-willing-to-rethink-complex-bank-rules-ft-com\/","url_meta":{"origin":7581,"position":3},"title":"Basel committee willing to rethink complex bank rules | FT.com","author":"ColinTwiggs","date":"July 10, 2013","format":false,"excerpt":"Brooke Masters reports: The Basel Committee on Banking Supervision said in a discussion paper released on Monday that it shares the concern of critics who believe the main measure of bank safety \u2013 the core tier one capital ratio \u2013 is too complicated and makes it difficult to compare banks.\u2026","rel":"","context":"In "Banks & Interest Rates"","block_context":{"text":"Banks & Interest Rates","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/economy\/the-fed-banks-interest-rates\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":12081,"url":"https:\/\/thepatientinvestor.com\/index.php\/2015\/07\/20\/apra-confirms-further-capital-adequacy-measures\/","url_meta":{"origin":7581,"position":4},"title":"APRA confirms further capital adequacy measures","author":"ColinTwiggs","date":"July 20, 2015","format":false,"excerpt":"From Robin Christie: The Australian Prudential Regulation Authority (APRA) has confirmed that the country's largest banks will face increased capital adequacy requirements for residential mortgage exposures \u2013 and hasn't ruled out further rises. The regulator made it clear yesterday that the new rules would be an interim measure based on\u2026","rel":"","context":"In "Australia & NZ"","block_context":{"text":"Australia & NZ","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/countries-regions\/australia-nz-countries-regions\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":10283,"url":"https:\/\/thepatientinvestor.com\/index.php\/2014\/07\/13\/keep-bank-regulation-as-simple-as-possible-but-no-simpler\/","url_meta":{"origin":7581,"position":5},"title":"Keep bank regulation as simple as possible, but no simpler","author":"ColinTwiggs","date":"July 13, 2014","format":false,"excerpt":"Reading Andrew Bailey's summary of what the Bank of England has learned about bank capital adequacy over the last decade, it strikes me that there are four major issues facing regulators. 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