How is Banking Regulation Changing, and How Could it Be Better?

5 Pages Posted: 20 Oct 2012

Date Written: October 2012

Abstract

Since the financial crisis there have been some positive moves with regard to bank regulation – especially in relation to ensuring that bank bondholders can lose their capital in the event of a bank failure. However, the increased guarantees to depositors are a retrograde step. The government should remove guarantees of depositors’ capital and, instead, provide some guarantee of their liquidity.

Keywords: Vickers Commission, deposit insurance, bank regulation, financial crisis

Suggested Citation

Lilico, Andrew, How is Banking Regulation Changing, and How Could it Be Better? (October 2012). Economic Affairs, Vol. 32, Issue 3, pp. 6-10, 2012, Available at SSRN: https://ssrn.com/abstract=2163962 or http://dx.doi.org/10.1111/j.1468-0270.2012.02167.x

Andrew Lilico (Contact Author)

Europe Economics ( email )

Chancery House
53-64 Chancery Lane
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