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As Credit Crunch II looms, we must learn to escape risk of moral hazard
Telegraph ^ | 10/20/09 | Damian Reece

Posted on 10/20/2009 8:45:57 PM PDT by TigerLikesRooster

As Credit Crunch II looms, we must learn to escape risk of moral hazard

For all those people belly aching about bank bonuses and dodgy mortgage lending in recent days, a speech by the Governor of the Bank of England addressing reform of the banking system ought to have been a highlight of the week.

By Damian Reece

Published: 9:57PM BST 20 Oct 2009

Comments 2 | Comment on this article

But as Mervyn King told his Scottish business audience last night: "If our response to the crisis focuses only on the symptoms rather than the underlying causes of the crisis, then we shall bequeath to future generations a serious risk of another crisis even worse than the one we have experienced."

This is no empty threat. At the heart of the boom last time round was a belief that the notion of risk had fundamentally changed. Banks and other financial institutions invented whizzo ways to borrow and lend ever larger amounts but at the heart of the system was the principle that central banks, including ours, would be lenders of last resort.

(Excerpt) Read more at telegraph.co.uk ...


TOPICS: Business/Economy; News/Current Events
KEYWORDS: bubble; creditcrunch; moralhazard

1 posted on 10/20/2009 8:45:58 PM PDT by TigerLikesRooster
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To: TigerLikesRooster; PAR35; AndyJackson; Thane_Banquo; nicksaunt; MadLibDisease; happygrl; ...
You can talk to bankers but they don't seem to care. Even under government/Fed bailout, they can still privatize their gains, while socializing their loss.
2 posted on 10/20/2009 8:48:57 PM PDT by TigerLikesRooster (LUV DIC -- L,U,V-shaped recession, Depression, Inflation, Collapse)
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To: TigerLikesRooster
Even under government/Fed bailout...

These days, it appears that it's "Especially under government/Fed bailout...

3 posted on 10/20/2009 8:50:45 PM PDT by ProtectOurFreedom
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To: ProtectOurFreedom
Yes, what it is supposed to be done is not the same as what it is actually done.
4 posted on 10/20/2009 8:53:34 PM PDT by TigerLikesRooster (LUV DIC -- L,U,V-shaped recession, Depression, Inflation, Collapse)
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To: TigerLikesRooster
This truthful headline is crucial!!!

The moral hazard has blown America nearly out of the water!!!

5 posted on 10/20/2009 8:55:48 PM PDT by SierraWasp ("Homeland Defense" begins at HOME!!! He who hesitates, is LOST!!!)
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To: TigerLikesRooster

Governments have done nothing but re-inflate the moral hazard baloons across the landscape since the crash.


6 posted on 10/20/2009 9:01:19 PM PDT by Uncle Miltie (President Obama got the Nobel Prize and my ass is still sitting in Afghanistan. Its not fair. - G.I.)
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To: TigerLikesRooster

Good post. Sadly, it looks like even Obama has sold out to the Wall Street boys.

parsy, who wishes things were different


7 posted on 10/20/2009 9:39:08 PM PDT by parsifal (Abatis: Rubbish in front of a fort, to prevent the rubbish outside from molesting the rubbish inside)
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To: parsifal
Zero's first and only rule: Pay off your cronies no matter what.
8 posted on 10/21/2009 12:23:34 AM PDT by TigerLikesRooster (LUV DIC -- L,U,V-shaped recession, Depression, Inflation, Collapse)
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To: TigerLikesRooster

Thanks for the ping.


9 posted on 10/21/2009 8:02:15 AM PDT by GOPJ (Liberal NFL doesn't think Rush is good enough for them? They feel the same about us-BOYCOTT)
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