Challenges to Regulating the Banking Sector (Lessons from Hoover Boot Camp) | Chap 3

Amit Seru offers recommendations to reduce the challenges facing the banking sector and answers frequently asked questions about regulations. What are regulators supposed to do when new entities go beyond the bounds of what was previously regulated? Is countercyclical regulation effective?
For more information, visit the PolicyEd page here:
This lecture was recorded in the fall of 2019, before the COVID-19 pandemic.
Interested in attending the Hoover Institution Summer Policy Boot Camp? Click here for more information.
Additional resources:
Listen as Amit Seru discusses modern financial intermediation. Available here: bit.ly/3gbnAIj
Listen as Amit Seru talks about the growth of shadow banks, the increased regulatory burden faced by traditional banks, and the financial technology adopted by shadow banks. Available here: bit.ly/3cx63YQ
Read “Regulation of the Mortgage Market Must Consider Shadow Banks” by Amit Seru. Available here: stanford.io/3xf6Cic
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[@aris_legacy5471]

This was very informative. I can't say I was surprised that Government Sponsored Entities are the ones that are left holding the bag. It was the government not too long ago forced mortgagers to take more risk back in the last housing market crash. Government has muddied the waters once again. The markets aren't working as they should. Great video.

[@AddictedToCandyx]

Thank you so much!! I just got a job at a bank and its a little overwhelming. But showing me the thinking process behind the transactions. It's actually very philosophical! I gotta watch these political debates. Haha great job! Thanks for the regulations!

[@32_bca_sanskrutibede3]

Very informative

[@animalslover9169]

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[@chikkykohinoor627]

Nice 👍

[@raa_omkarsinh_111]

Nice 😊

[@markh.3008]

This is a very interesting lecture. Thank you for uploading it to youtube.
One question I have regarding the disparity between rates offered by banks and shadow banks, which was discussed around 5:40.
a reason suggested for the higher rates of shadow bank loans is the added element of convenience.
Another possibility would be different risk profiles for clients who see mortgages through shadow banks and those who continue to use conventional banks.
Does anyone know if the disparity in rates remains, even when accounting for the different profiles of clients between banks and shadow banks?
Anyway, thanks again for the lecture. I found it interesting and informative.

[@Amitkheri]

Nice

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Wow

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👍👍👍

[@raa_omkarsinh_111]

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[@Noname_q]

😃

[@CAMonica]

Nice

[@siddhantkhatik243]

Good

[@xairogj007]

Good