Banking
in sentence
2429 examples of Banking in a sentence
Since 2008, shadow
banking
has exploded, owing to price and regulatory factors.
In an environment dominated by direct quantitative controls, such as increasingly stringent lending quotas, shadow
banking
is meeting genuine market demand, with the interest rates that borrowers are willing to pay providing a useful price-discovery mechanism.
Chinese policymakers should view the shadow-banking scare as a market-driven opportunity to transform the
banking
system into an efficient, balanced, inclusive, and productive engine of growth.
Ultimately, addressing shadow
banking
in China will require mechanisms that clearly define, allocate, and adjudicate financial risks among the key players.
Steep decline in Japan’s stock and real estate markets at the end of the 1980s and early 1990s left many financial bankruptcies and a weak
banking
system filled with bad loans.
When the pyramid starts crumbling, government – that is, taxpayers – must step in to refinance the
banking
system, revive mortgage markets, and prevent economic collapse.
The G-20 could not agree on coordinated fiscal stimulus or concrete steps towards
banking
reform.
Market tension has eased considerably;Ireland and Portugal are not under assistance programs anymore; the eurozone financial system has been strengthened by the decision to move to a
banking
union; and crisis-management instruments are in place.
The Dodd-Frank Financial Reform Bill, which is about to pass the US Senate, does something similar – and long overdue – for
banking.
Effective size caps on banks were imposed by the
banking
reforms of the 1930’s, and there was an effort to maintain such restrictions in the Riegle-Neal Act of 1994.
Since 2010, these two refrains have shaped the entire discussion of how to shore up the euro, and they largely account for the anemic progress being made on the creation of a European
banking
union.
The partnerships of professionals that have long dominated services such as law, accounting, and -- until recently -- investment
banking
are familiar examples.
Employee ownership has long been successful even in industries -- such as plywood manufacturing and investment
banking
-- that are both volatile and relatively capital intensive.
The list of financial institutions that have engaged in such hiring practices reads like a who’s who of investment
banking.
If owners walk away from their homes, credit losses could be $1 trillion or more, wiping out most of the US financial system’s capital and leading to a systemic
banking
crisis.
With the official
banking
system thus constrained, it allocated the remaining credit to large enterprises and those with sufficient collateral, resulting in an uneven distribution of loans across regions and sectors.
The Big Bank FixLONDON – Two alternative approaches dominate current discussions about
banking
reform: break-up and regulation.
In banking, the trust-busters won the day with the Glass-Steagall Act of 1933, which divorced commercial
banking
from investment
banking
and guaranteed bank deposits.
At the core of preventing another
banking
crash is solving the problem of moral hazard – the likelihood that a risk-taker who is insured against loss will take more risks.
The main part of the
banking
system was able to take risks without having to foot the bill for failure.
The alternative regulatory approach, promoted by Nobel Laureate Paul Krugman and the chairman of Britain’s Financial Service Authority, Adair Turner, seeks to use regulation to limit risk-taking without changing the structure of the
banking
system.
Moreover, many countries with integrated
banking
systems did not have to bail out any of their financial institutions.
This is not just because the
banking
crisis in 1933 was greater than today’s crisis; it is because much more powerful financial lobbies now stand between pen and policy.
The German government’s anger with Greece reflected the public mood and Chancellor Angela Merkel’s own pressing need to cut the country’s budget deficit by reforming social security, pensions, education, and
banking.
Likewise, Wall Street’s
banking
behemoths are unlikely to be broken up.
If highly leveraged developers are under stress, they could produce non-performing loans – and thus considerable risk – in both the traditional and shadow
banking
sectors.
Last but not least, the core emerging economies have abstained from increasing tariffs, and their stimulus packages grant much more limited subsidies to the
banking
and automobile sectors than do comparable packages in OECD countries.
Reforms that have improved energy-policy coordination, or helped to create a
banking
union, have proven to be far more robust than they may have seemed at first.
In the eurozone, however,
banking
is still predominantly concentrated along national lines.
Moreover, although the EU is supposed to have an integrated
banking
market, the few existing cross-border
banking
groups are not even allowed to operate as integrated international banks, because national regulators and supervisors are “ring-fencing” the liquidity and assets of foreign banks’ local subsidiaries.
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