COVID-19和金融系统:两个危机的故事
1Bank of England.
概括
与全球金融危机相比,银行在COVID-19危机期间表现出更强的性. 2008年危机后的监管改革使银行成为金融稳定的解决方案,而不是问题.
科学领域:
- 经济学 经济学 经济学
- 金融规章制度 金融规章制度 金融规章制度
- 银行学研究 银行学研究
背景情况:
- 全球金融危机 (GFC) 暴露了银行业的重大脆弱性.
- COVID-19大流行给全球金融体系带来了全新的系统性冲击.
- 过去的监管改革旨在提高金融系统的弹性.
研究的目的:
- 为了比较和对比金融体系的弹性,特别是银行,在GFC和COVID-19危机期间.
- 评估GFC后改革对银行业绩在随后的危机期间的影响.
- 确定COVID-19危机对未来金融系统稳定的早期教训.
主要方法:
- 在两个不同的危机时期对银行业绩的比较分析.
- 审查GFC之后实施的监管和机构改革.
- 银行在危机缓解中的作用 (解决方案与问题) 的定性评估.
主要成果:
- 与GFC相比,银行在COVID-19危机期间表现出更大的性.
- 在过去十年中实施的监管和制度改革加强了银行业.
- 银行在COVID-19期间从被认为是GFC问题的一部分转变为解决方案的一部分.
结论:
- 从GFC中吸取的经验教训显著提高了银行业的弹性.
- 金融系统,特别是银行,更好地应对未来的系统性冲击.
- 监管框架的持续监测和调整对于可持续的金融稳定至关重要.
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