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TheFutureofBanking6
ByViralAcharya,ElenaCarletti,
FernandoRestoyandXavierVives
BankingTurmoiland
RegulatoryReform
BANKINGTURMOILAND
REGULATORYREFORM
TheFutureofBanking6
CEPRPRESS
CentreforEconomicPolicyResearch
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75007Paris,France
33GreatSuttonStreet
LondonEC1V0DX,UK
Tel:+44(20)71838801
Fax:+44(20)71838820
Email:cepr@
Web:
ISBN:978-1-912179-87-9
©2024CEPRPress
BANKINGTURMOILAND
REGULATORYREFORM
TheFutureofBanking6
ViralAcharya
NewYorkUniversitySternSchoolofBusinessandCEPR
ElenaCarletti
BocconiUniversityandCEPR
FernandoRestoy
BankforInternationalSettlements
XavierVives
IESEBusinessSchoolandCEPR
CENTREFORECONOMICPOLICYRESEARCH(CEPR)
TheCentreforEconomicPolicyResearch(CEPR)isanetworkofalmost1,900research
economistsbasedmostlyinEuropeanuniversities.TheCentre’sgoalistwofold:to
promoteworld-classresearch,andtogetthepolicy-relevantresultsintothehandsofkey
decision-makers.CEPR’sguidingprincipleis’Researchexcellencewithpolicyrelevance’.
ItwasfoundedintheUKin1983,whereitisaCharity,andinNovember2019CEPR
initiatedthecreationofanAssociationunderFrenchlaw,inordertoprovideavehiclefor
anexpansioninFrance.ThemembersoftheConseild’AdministrationoftheAssociation
areidenticaltotheUKBoardofTrustees.
CEPRisindependentofallpublicandprivateinterestgroups.Ittakesnoinstitutional
standoneconomicpolicymattersanditscorefundingcomesfromitsInstitutional
Members,projectsthatitrunsandsalesofpublications.Becauseitdrawsonsuchalarge
networkofresearchers,itsoutputreflectsabroadspect
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