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Big Bank Choices Analysis Essay

Coursework Instructions:

As you can see in the following charts, much consolidation has taken place in the banking industry as a result of deregulation.
Big Bank Chart (Links to an external site.)
Top 20 Banks in the World (Links to an external site.)
While this consolidation led to economies of scale in the industry, some analysts are concerned that banks are considered "too big to fail" and may have tendencies to take excessive risks.
For this assignment, please take a look at the following two articles:
Are Some Companies Still Too Big to Fail? (Links to an external site.) - As a follow-up to concerns about "Too Big to Fail Banks" in the early 2010s, the author of this article mentions that Eric M. Corrigan, senior managing director at Commerce Street Capital feels "The rules are working as intended, and we would not expect large-scale failure even if the current economic recession is prolonged." Corrigan, however, states that while he is less worried about big banks, he is concerned about unregulated entities in the financial sector such as large mortgage lenders and unsecured consumer debt lenders.
Top Digital Banking Transformation Trends for 2021 (Links to an external site.) - This article discusses how recent regulations have made large banks in the financial system safer and strengthened their market position. However, with the luxury of stronger market power, large banks no longer have as much incentive to innovate and are failing to meet consumer expectations.
Share your thinking about the choices large banks may take, which could potentially weaken the U.S. economy, or defend the position that large banks are necessary in order to compete in global markets.
Your submission should be at least one-page double spaced.

Coursework Sample Content Preview:

Big Bank Choices
Name
Institutional Affiliation
Big Bank Choices
Credit guarantees and quick loans to big collapsing backs from the government and other institutions pose a major risk in the collapse of an economy in the name of protecting the Too Big to Fail (TBTF) concept CITATION Div20 \l 1033 (Divine, 2020). Large-scale banks are too big despite the imposition of regulation, hence describing a failing banking sector connected to a systematic collapse. Currently, how can the United States of America (USA) economy be ranked and rated after the TBTF notion was encouraged and supported? This led to the collapse and bad reputation experienced on the US economy after the 2007 and 2008 financial crises CITATION Div20 \l 1033 (Divine, 2020). Commercial banks and other large financial instructions held almost 30 percent of the government trouble asserts CITATION Div20 \l 1033 (Divine, 2020). As a result, a prompting authorization to the government to acquire distressed asserts to balance the US financial economy that critically collapsing.
Large banks' choice to get loans and guarantees due to their instability r...
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