まとめ
政治的,官僚的な説明責任の欠陥は,貯蓄機関預金保険の危機を助長しています. これに対処するには,政治的裁量に終止符を打つことと,財政的コミットメントのための予算を設定すること,管理または規制緩和を責めることなくする必要があります.
科学分野:
- 経済学 経済学
- 公共政策 公共政策について
- 金融規制 金融規制とは
背景:
- 貯蓄機関預金保険制度は重大な危機に直面しています.
- 既存のインセンティブは,政府と産業の両方にとって合理的な反応を生み出し,問題を悪化させる.
研究 の 目的:
- 貯蓄機関預金保険危機の根本的な原因を特定する.
- 提案された解決策を批判し,解決への道を提案する.
主な方法:
- 規制の枠組みにおける政治的,官僚的説明責任の分析.
- 政府および貯蓄機関経営者のためのインセンティブ構造の検討.
- 既存の及び提案された政策対応の批判.
主要な成果:
- 危機の原因は,政治的,官僚的な説明責任の欠陥であり,単に管理の不適切さや規制緩和だけではありません.
- 不十分な業績を覆い隠し,資本要件を緩和することは,合理的な政府の対応である.
- 積極的な業界リスクを負うことは,規制上の控除に対する合理的な対応である.
結論:
- ブッシュ政権の計画は,危機の原因を誤って特定している.
- 危機を解決するには,インセンティブの欠陥に対処し,政治的裁量権を放棄する必要があります.
- 制度改革には,政府の財政コミットメントを正確に予算化することが不可欠です.
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