【PPT精品课件】货币金融学7版英文课件--11-大学课件2.pptVIP

;How Asymmetric InformationExplains Banking Regulation;3. Bank Capital Requirements A. Reduces moral hazard: banks have more to lose when have higher capital B. Higher capital means more collateral for FDIC 4. Bank Supervision: Chartering and Examination A. Reduces adverse selection problem of risk takers or crooks owning banks B. Reduces moral hazard by preventing risky activities 5. New Trend: Assessment of Risk Management 6. Disclosure Requirements A. Better information reduces asymmetric information problem;3. Bank Capital Requirements A. Reduces moral hazard: banks have more to lose when