5.1 What do Banks do from an Economist´s Perspective??
Regulation from an economist`s perspective
Financial (useful)= Banks Connect: people who Safe Money, people who Need Money
Market failure( Not Perfect)=people don’t have enough Information, to much Risk
State failure( can help, but also fail)= governments can also make mistakes, Bad rules can create new problems
5.1 A. Banks as delegated Monitors
Was sind delegated Monitors?? Was ist die Aufgabe von denen ??
Delegated Monitors= they manage the process of Lending and borrowing
Bsp; if a person wants to save money then can trust the bank
Die tut aufpassen das jeder Kredite abbezahlt, Kredite vergeben, schützt vor Risiken
5.1
Delegated Monitoring and Risk incentive Problem
5.1Banks and Risk incentive Problem
Warum ist es einfach für Manager höheres Risk einzugehen ?
5.1 B. Banks as delegated contractors
Was sind delegated contractors ?? Was ist die Aufgabe von denen ??
5.1 C. Banks as Liquidity Provider
According to Diamond 1983
Banks as a Liquidity Provider was versteht man darunter??
5.1 The Banking System as liquidity pool
What is a liquidity pool at a bank???ß
5.1 To understand the liquidity provider: Let´s found a Bank
How does a Bank works? Lets create a Bank
5.1 Founding a Bank II
Beste Strategie= einfach ruhig zu bleiben, zu warten. Weil wenn jeder gleichzeitig abhebt kann es sein dass jeder verliert weil jeder weniger Geld bekommt
5.2 Sources of Banking Instability
How dangerous Are Banks?? Beispiel BCCI was ist damals passiert???
5.2 Focus of Banking Regulation
What is the secondary and the primary task of a bank???
5.2 A. Delegated Monitoring ans Risk incentive
Was machen Banken um zu zeigen wie sicher sie sind?
Offenllegungspflichten
= zeigt wie stabil die Bank ist
5.2
Does market Control Work for banks??
5.2 B. Implizit contracts and Reputational equilibria
Why do people stick to informal agreements like long term relationships???
5.2 Stabilität of reputational equilibria
What is the problem with reputational trust???
(man vertraut weil guter Ruf erarbeitet, langfristige Absprachen hält)
5.2 Relevante for regulation
Why is banking regulation important ????
5.2 C. Liquidity and Bank Runs
Strategic interaction and Nash equilibrium Beispiel mit Anna und Peter
What is a Bank run ????
Withdraw= abheben oder abziehen
Explain the primary and secondary Tanks of banking regulation and banking supervision
Supervision= Aufsicht
Name the different functions of a bank as a financial intermediary
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