Download e-book for kindle: Banking with Integrity: The Winners of the Financial Crisis? by Dr Heiko Spitzeck, Dr Michael Pirson, Dierksme, Dr. Heiko

By Dr Heiko Spitzeck, Dr Michael Pirson, Dierksme, Dr. Heiko Spitzeck, Prof. Claus Dierksmeier, Dr. Michael Pirson

ISBN-10: 0230346499

ISBN-13: 9780230346499

ISBN-10: 1349331147

ISBN-13: 9781349331147

Banking with Integrity offers wealthy and in-depth case experiences of banks that have been doing good in the course of the monetary predicament of 2007-2010. whereas different banks went bankrupt, have been nationalized, or struggled for survival a few of the featured circumstances elevated marketplace percentage, attracted extra clients and shunned domestic evictions in their consumers.

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Extra resources for Banking with Integrity: The Winners of the Financial Crisis?

Example text

What has happened and what still is happening is that we allow financial market agents to act strictly opportunistically. We somehow maintain a belief that providing a regulative environment that allows for gearing all efforts towards the goal of achieving the highest returns for their own institutions or for their individual benefit will by some magical process automatically lead banks to produce the most desired results for everyone else. The classical neoliberal paradigm, proven time and again to be a dysfunctional basis of orientation regarding the regulation of financial services providers, still governs much of our thinking.

Consequently we must see banks as service providers: they do not themselves produce any goods. But that is exactly what some would like to make us believe. Some banks act as if they ‘produce’ money from money, but no matter how sophisticated the tools, how eloquent the arguments, or how shiny their financial district offices, this cannot work. We cannot produce additional money without producing additional goods and services of the equivalent value. If we do, we simply increase the nominal value of goods, their price tag, through inflation.

We somehow maintain a belief that providing a regulative environment that allows for gearing all efforts towards the goal of achieving the highest returns for their own institutions or for their individual benefit will by some magical process automatically lead banks to produce the most desired results for everyone else. The classical neoliberal paradigm, proven time and again to be a dysfunctional basis of orientation regarding the regulation of financial services providers, still governs much of our thinking.

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Banking with Integrity: The Winners of the Financial Crisis? by Dr Heiko Spitzeck, Dr Michael Pirson, Dierksme, Dr. Heiko Spitzeck, Prof. Claus Dierksmeier, Dr. Michael Pirson


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