Financial market regulation - Science topic

The global financial crisis of 2007-2009 was the result of a number of factors that started as early as the 1990s and were then compounded at the beginning of the 21st century. Many mistakes were made at the time, both at the level of monetary policy, in terms of over-liberalisation of the functioning of financial markets and banking entities (in the mid-1990s, the separation of the functioning of deposit and loan banking from investment banking was abolished). Allowed to grant mortgages to uncreditworthy citizens. The missing funds for granting bad loans, i.e. loans that in 99 per cent probability would not be repaid on time, were no longer obtained from bank deposits but from derivative securities issued for this purpose, which were sold as subprime bonds to successive investment banks as secure and profitable investment financial instruments. Credit rating agencies gave these credit derivatives the highest AAA ratings, which just before the onset of the global financial crisis was no longer factually correct and was a clear example of a breach of good business ethics. There was also a high level of systemic credit risk arising from the underwriting of many of the thus unreliable mortgages by a small number of commercially operating insurance companies. There has been a lot of unreliability, the application of unethical business practices in credit risk management both at a systemic level and at the level of individual banking entities. The credit risk management process in investment banks at the beginning of the 21st century was not working efficiently and effectively. The banking procedures were not adequately adapted to the current realities of the technological advances taking place and new financial instruments, derivatives being created in a highly liberalised prudential standard of credit risk control. I have researched this issue and described these issues in publications that are posted on my profile on this Research Gate portal. I had researched the issue of improving the credit risk management processes carried out in commercial banks even before the global financial crisis of 2007-2009. Some procedural and normative issues have been corrected but rather not all, which should be corrected so that a similar financial crisis does not occur again in the future.

In view of the above, I address the following research question to the esteemed community of researchers and academics:

What is your opinion on this subject?

Please reply,

I invite you all to discuss,

Thank you very much,

Best wishes,

Dariusz Prokopowicz

I have found only a few studies based on China indicating that there is diminishing returns to environmental regulation in China. They measured such diminishing utility by including two variables related to level of environmental regulation: one variable indicating the level of regulation, and another squared term of the first variable. However, I failed to find any such study in the field of accounting and finance.

I would appreciate if someone can suggest any similar paper from the field of accounting and auditing.

Growth Regulator groups

There are sixes and sevens in financial market which is common scenario in both developing countries like India and advanced countries like USA. The financial market is being manipulated by big-bulls or business typhoons so the government is a helpless spectator. The bank rate, repo-rate, reverse repo-rates are the blunt weapons; even these sixes and sevens are beyond the control of market forces or operations. A typical economic situation is being created to test the existing theories and policies of economic world.

In their quest for innovation, financial private actors are eager to use artificial intelligence, big-data & data-mining and several others technologies. As a result, financial markets are now focusing on Fintech, which represents  a new challenge for regulators. However, using these financial technologies, the regulatory framework could be enhanced too. But how ? And what are the current analysis among private actors, regulators, and scholars regarding the rise of Regtech ?

Many thanks !

Looking at finding survey information detail on Financial Analysts decision making activities - specifically the weighting they give to Sustainability Metrics - in particular Safety Performance Metrics (Total Recordable Injury Rate) and how much weight is placed on this metric when compared to overall recommendation to the market/institutional investors etc. on whether a publicly listed company is a good investment or not.

Stiglitz has argued that failures in financial markets have come about because of poorly designed incentive structures, inadequate competition and inadequate transparency. Part of this is because larger institutions have been resistant to changes that would actually create more healthy competition. Better regulation is required to rein in the financial markets and bring back trust in the system.

I am interested in this field and looking for peer reviewed articles

Dear all, I want to start a research about financial regulation and economic growth for African countries. Which model can I use for this study?

I am looking for a data set to test a local volatility algorithm pricer for spread or crack options on commodity (WTI). I would need 

- Future data quote markets

- Options data (call / put) quote markets considered on spread option maturity

- Ideally : spread or crack quote markets,

- Ideally : corresponding Kirk / Bjerksund or Monte Carlo reference prices.

To your knowledge, is there any standard already considered data set to test performance and precision of the method ?

Thanks for any contribution !

Fed Governor Powell on repo CCPs: the opportunities and challenges ahead

I want to work on problems in field of stock (basically I prefer working on wall street market) but I don't know how I can do it and which subjects could be helpful.

When banking supervision is enhanced, banks might find it difficult to grant loans. Does this policy affect the effectiveness of an expansionary monetary policy?

I am simply interested in a lot of perspectives for a short research paper. Still, I assume that data which is difficult due to OTC markets, would be a first good step...